The longer the credit card review takes, the less likely it will be passed.

For example, if the user applies through offline channels, the review time will be longer than the online application time. Moreover, if there have been a large number of applications for a certain credit card recently, it may cause the review time to become longer. As long as the user meets the credit card application conditions and has a high overall credit score, the application can be approved no matter how long the review time is.

In addition, if you do not meet the credit card application conditions, your application will be quickly rejected.