Generally, China Merchants Bank/KLOC can issue cards within 0/5-20 days (counting from the date when the branch sends information to the credit card headquarters). However, if you submit an application in the business hall, it will be a little slower, because the business hall will wait until certain application materials are collected before submitting the application form to the credit card center. If you go directly to the person who handles the credit card, it will be faster, usually half a month, and generally one month in the bank. Therefore, in fact, online processing is very time-saving and labor-saving.