15 working days. According to the regulations of China Merchants Bank, it takes a total of 15 working days to apply for a credit card at the offline China Merchants Bank counter. The specific process is: from the review department receiving the application materials to completing the review. After the review is passed, the card is made and then registered according to the billing address. Sent by letter. China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons.