There are subtle differences between different banks. For example, the Agricultural Bank of China generally completes the examination and approval in 20 working days, and it takes about one month to receive the card in 15 days. If you choose express card issuance, you need to charge 20 yuan fee, and you can get the card within 1-3 days after the approval; Generally, China Merchants Bank will complete the examination and approval within 7- 14 working days and get the card in about 7 days. If you choose express card issuance, you need to charge 20 yuan fee, and you can get the card within 3-5 days after approval.