1. It takes time to review the application materials: It takes time for ABC to review the credit card application materials, especially for some complicated applications, which requires more time and energy. Therefore, it has been under review, and the application materials need more time to review.

2. Long review process: ABC's review process is long and needs to be reviewed and confirmed by multiple links, including preliminary review, review and final review. If a link has problems or needs further confirmation, the review time will be extended.