1. online application: online application is convenient and fast, and the materials submitted are directly sent to the credit card center, which saves the time for submitting the materials. The bank can apply after receiving the materials, and friends who want to pass quickly can choose this method. Especially for non-white households, after a bank has a credit card, applying for some commercial banks with low thresholds, such as Minsheng Bank and Industrial Bank, will get the result in 5 minutes at the earliest. However, for online application, non-first card customers will generally ask for a face-to-face signing, and the credit card can only be activated after the face-to-face signing is successful.

2. Sufficient application materials: If you apply for an offline card, you usually need to provide paper materials, so you need to prepare all the necessary materials. If the prepared materials are insufficient, the bank will let you supplement the materials for approval, which may take a long time. On the contrary, if the information provided is more sufficient, the speed of bank approval will be faster. General information includes a copy of ID card, proof of work, and some may even make the bank running water, which depends on the bank.

3. Provide proof of financial resources: When handling credit cards, the bank pays most attention to the cardholder's repayment ability. If information such as real estate, car products and wealth management products are provided when applying for a card, it shows that the cardholder's financial ability is relatively good. Without large debts, the bank will not have to spend a lot of time evaluating the cardholder's repayment ability, which will definitely shorten the application time.

4. Give priority to banks with business dealings: applying for banks with business dealings can also shorten the review time. For example, the bank where the salary card is located, the bank where the mortgage is located, the bank with time deposits, and the bank with more debit cards, etc., the bank will know the applicant's economic situation better, which is also conducive to the approval of the card.