The time it takes to apply for a credit card depends on the application method and your bank's approval process. The following is the approximate time point:

1. Apply offline at a bank branch, and the approval will generally be completed within 20 working days. If the applicant is a new household, an additional interview process is required, and it will take 2 working days for review after the interview.

2. Apply online through the bank website or mobile banking, and the preliminary review is usually completed within 5 working days. Similarly, new households require an interview, and the approval will be completed within the same 2 working days after the interview. It usually takes 5 to 15 days to create and ship the card, depending on the mailing method.

For applicants who have applied multiple times and have complete information, the bank's approval speed will be faster, and it may only take 3 days to get the credit card. Overall, it usually takes about 1 to 1 month from submitting the application to receiving the credit card.

It is worth noting that this time is not fixed and may change due to factors such as the applicant's credit status and bank approval efficiency. Credit card, as a credit tool for non-cash transactions, allows cardholders to make overdraft purchases within the credit limit, and requires consumers to have a good credit record.