There are two types of credit cards: online application and offline application. For online application, users only need to fill in the application form online and submit it in a few minutes. The bank credit card center will receive the application on the same day and then start the examination.
For offline credit cards, users need to prepare paper materials, and then apply for credit cards at bank outlets, which also need to mail the materials to the credit card center, which usually takes about one week.
offline application is slower than online application because there is an additional link of mailing materials.