Xingye’s 10-day period also shows that it is under review, which is normal. Although it usually takes about 7 to 15 working days, IB has also experienced card withdrawals within a month. It is not known for its fast processing times. If the card is fast, it should be CITIC. In addition, this year's bank building volume and card issue have been significantly faster, and this may also be related to the type of card you applied for. I don’t think I was rejected. It didn’t take more than 10 days for Xingye to be rejected. Its rejection text message is "Dear customer, after comprehensive scoring by our bank system, your application for Industrial Credit Card has not been approved yet. Thank you for your support."