Because the arrival time of each bank is uncertain, the arrival time of each bank's pos machine is also uncertain, some arrive the next day, and some arrive the same day.

Take UnionPay as an example: UnionPay's credit card machines all arrive at the account within T+ 1 working day, that is, the second working day after credit card consumption.

In addition, some merchants need to receive the account in real time, so they will adopt T+0 payment method. There are still T+2 or T+3 working days to arrive. However, the latest arrival time of the credit card will not exceed 3 working days.