15 days. According to the information of mobile banking, it takes 15 days for mobile banking to process credit cards. Credit card, also called debit card, is a non-cash transaction payment method and a simple credit service. Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.