Guangfa Bank's credit card application for SMS was approved.

Pass the preliminary examination or pass it. The audit of bank credit cards should go through five links: acceptance, initial investigation, preliminary examination and approval.

It will take several days to complete these review processes. Since you said to reply within 20 working days, wait.

If you need your card urgently, you can call the customer service phone of the bank to urge you to hurry. Banks will generally accept the urgent demand.