Many people are applying for credit cards recently, and CITIC Credit Card is the choice of many people. There is an audit step when applying for a credit card, so how long does it take to get approved? This is a question that everyone wants to know. Let’s take a look.

How long does it take for CITIC Bank credit card approval?

It is divided into the following situations:

1. If the applicant goes to a CITIC Bank business outlet to apply, then usually It can be approved in about 20 working days;

2. Application through online banking: If it is the first time to apply through online banking and the online banking shield has not been verified, it usually takes about 20 working days to pass. Approval; if there is a verified online banking shield, it usually takes 15 to 20 working days to be approved; if the applicant already has a CITIC Bank credit card, the review time is usually 5 working days; if the applied card type is of a higher level, Then the review time may be extended;

3. If you apply through mobile banking, the review time will be 1 to 2 weeks.

Will there be any impact if CITIC Credit Card is not activated?

Whether there will be any impact if CITIC Bank’s credit card is not activated requires detailed analysis of the actual situation. Bijing CITIC Bank issues many cards, and different credit cards have different regulations. Most credit cards like CITIC Bank's regular and gold cards will not charge fees if they are not activated. Therefore, if such cards are not activated after application, there will be no adverse effects. But for high-end platinum cards, diamond cards, and cards made with special processes, even if they are not activated, as long as the user completes the application, they will be charged. If the user does not activate the card, the bank will deduct the fee from the card limit, and he will not be able to repay in time, which will cause overdue payment and affect personal credit.

If the user is only applying for a card for collection and does not intend to activate it, it is best to consult the bank's specific charging rules first. If you apply for a card only for consumption, it is better to activate it as soon as possible. Although some cards will charge an annual fee after activation, as long as the user meets the requirements for annual fee reduction or exemption, the annual fee can also be waived (CITIC Bank ordinary card and gold card only need to be approved) If you swipe the card once in a month, the first-year annual fee will be waived; if you swipe the card five times in a year, the annual fee of the next year will be waived).