Joint-stock banks have higher credit card quotas and lower conditions. If they have a credit card, they can only pay by installments. Quasi-credit cards cannot be used for installment payment.
Generally, it takes 20-40 days to get a card. Submit the card application materials to the credit card account manager (in the county-level branch building)-bank telephone \ on-the-spot credit investigation-credit card center review and approval (SMS reply)-card number selection-business card printing-registered mail mailing (about 7- 15 days)+secret letter activation or credit card account manager SMS \ telephone notification-with ID card.