7-20 working days. According to the inquiry of CITIC Bank Credit Card Center, CITIC Bank Credit Card Center will review the application after receiving it, and the review time will vary according to the application channels and credit card types. Among them, it takes 20 working days to apply for a card online for the first time without verification, and the review time is 15 to 20 working days. Submit the application through the counter of CITIC Bank outlets, and the review time through CITIC Bank Mobile Banking app is 20 working days.