It takes 20 working days to apply for outlets, 5 working days for websites and 5 working days for mobile banking. There are three ways to handle offline bank cards in China: branch application, website application and mobile banking application. It takes 20 working days for branch applications, 5 working days for website applications and 5 working days for mobile banking applications. Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.