Normal phenomenon. China Everbright Bank Credit Card is issued by China Everbright Bank. It provides corresponding credit limit to the remaining users. The user consumes within the credit limit first and then repays the credit card. For credit cards with overdrafts, it is normal that the credit card has not been accepted for five working days. It will be received within two weeks. Phone verification is normal. You can make inquiries by phone. Everbright Bank was established in August 1992. It is a national joint-stock commercial bank approved by the State Council and approved by the People's Bank of China. It is headquartered in Beijing.