The processing time for applying for a credit card has nothing to do with your mobile phone number. Each bank has its own conditions and requirements for applying for a credit card.

Take the conditions for applying for a China Construction Bank credit card as an example:

Have full capacity for civil conduct, be over 18 years old and under 70 years old, have a stable career and income, and have good credit status. Natural persons who have the ability to repay principal and interest on time can apply for the Dragon Card personal card master card.

Extended information

Take application for a China Construction Bank credit card as an example. Materials required to apply for a credit card:

Applicants with local household registration need to provide:

1. Copy of ID card;

2. Proof of income (for example: copy of personal income tax withholding voucher or tax payment certificate, provident fund payment record or copy of payment list);

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Proof of personal assets (for example: copy of local real estate certificate, house purchase/car invoice, copy of motor vehicle driving license of the People's Republic of China, savings passbook or certificate of deposit, etc.);

Professional and technical certificates (for example: copies of professional qualification certificates assessed or recognized by national authorities, including certified public accountants, certified auditors, lawyer licenses, etc.).

2. Applicants with non-local household registration, in addition to the above materials, also need to provide proof of stability (for example: local real estate certificate, copy of comprehensive social insurance statement (more than 6 months) , academic certificate, etc.).

China Construction Bank—Credit Card Application Conditions