It is more convenient to apply for a credit card now. You can do it directly online, regardless of time and place. And many people want to get a credit card in the middle of the night, and they will ask, is it better to get a card at this time? In fact, it mainly depends on the qualifications of the applicant, which is the key to the approval of bank cards. Banks approve credit cards regardless of the application time. No matter whether they apply for a card in the middle of the night or during the day, the submitted application will be approved, which will be approved by the system first and then returned by manual telephone. The approval speed is related to the applicant's credit conditions. The better the credit conditions, the faster you can get approval whenever you apply for a card, but relatively speaking, the speed of applying for a card by a white household will be slower, because the credit record is blank, and many of them have to go through system screening and manual callback. The results can be obtained by automatic examination and approval of the banking system of non-white households, and there is no need for manual electric examination. It should be noted here that the manual return visit of credit cards is during daytime working hours. Get a card in the middle of the night, and wait until the day. If you apply for a card halfway through the weekend, it will be postponed to the next working day for review. It is better to get a card during working hours during the day. It is possible that after the application is submitted, there will be a manual telephone audit on the same day, which saves the time for handling the card. In addition to personal qualifications, you have to use the correct skills to handle credit cards. For example, you should choose a bank that matches your credit conditions, as well as the type and level of the card. You should also learn to use the advantages of third parties to handle cards. For example, those who frequently use Alipay can apply for a card in Alipay life, and those who use Alipay in JD.COM can apply for a card in JD.COM, which will help improve the success rate of card application. In short, getting a credit card in the middle of the night is not necessarily better. It is recommended to apply for a card during the day and choose a channel that is helpful to you.