How to open a credit card

1. First determine the type of credit card you want to open. There are several types of credit cards: regular card, gold card, platinum card (or diamond card), and black card. Generally, the most common ones are regular cards and gold cards. Different types of credit cards have different application conditions.

2. After determining the type of credit card to be opened, you must also determine whether you meet the conditions for applying for a credit card. The credit card application conditions given by each bank are different, but the requirements for some basic conditions are similar. It can be divided into these four categories: 1. Chinese adult citizens under the age of 65. 2. Documents, identification documents and other materials have not expired. 3. Have a stable source of income or a certain amount of savings (with the ability to repay) or a stable job. 4. The credit record has no bad records such as breach of contract and arrears.

3. After confirming that you meet the conditions for applying for a credit card, you can start preparing the relevant documents and supporting materials for applying for a credit card. For example, take the ordinary card as an example: first prepare your ID card and a copy, and then prepare your income source certificate, employment certificate, real estate certificate, car certificate or bank deposit certificate and other supporting materials, and you can go to the bank to apply. credit card.

4. Go to the bank branch to get a number, go to the counter after queuing and apply to the sales staff for opening a credit card. After filling in the application form, submit the certificates and supporting materials to the salesperson along with the application form. The counter clerk will check the completeness of the required materials. After passing the preliminary inspection, they will be handed over to the bank's credit card business center for review. The review time is generally 5 to 7 working days.

5. After the application is approved, the bank will notify the applicant by email, phone call or text message that the application has been approved. And create a credit card for the applicant within 2 to 3 working days. After the production is completed, it will be mailed to the applicant by registered mail within 7 working days.

6. After getting the credit card, call the customer service number on the back of the credit card and follow the prompts to activate the credit card. This makes it easy to use.

How to activate a credit card

Now many young friends have applied for credit cards, and some have more than one, but many people don’t know how to effectively activate their credit cards. , the credit card cannot be used regularly if it is not activated, so how to activate the credit card?

1. Outlet activation: Cardholders can bring their ID card and credit card to the issuing bank outlet, apply to the staff to activate the credit card, then fill in the form and submit the information to the staff. After approval, the card can be activated. .

2. Activation by customer service phone: Cardholders can call the customer service phone number of the credit card center. After being connected, follow the prompts to transfer to manual service. Then apply to the staff to activate the card and provide personal information such as credit card and ID number. After completing the identity verification, you can successfully activate.

3. Online banking activation: Cardholders can log in to the card-issuing bank’s online banking to activate the credit card. Taking the ICBC credit card as an example, after logging into ICBC personal online banking, select “Bank Card Services” in the personal account "Peony Card Activation", click to enter the interface, then follow the prompts to enter your credit card, card validity period, name, ID number and other relevant information, click the "Confirm" button, and finally set the credit card password and confirm to activate the ICBC credit card.

The above is the credit card activation method I shared with you. Friends in need can learn about it. I hope it can help you.

How to open a credit card for the first time

When you get a credit card for the first time, you must activate it before you can use it, but many cardholders don’t know much about this card opening method. , I don’t know if I need to call to activate or if I have to go to the counter to activate. Now, let’s introduce to you how to open a new credit card.

After we usually apply for a credit card, we need to activate the credit card before it can be used. When it comes to activating credit cards, some people think of directly calling bank customer service to activate because of convenience. However, some people cannot activate their credit cards after calling their bank's customer service number.

New credit cards do not have to be activated at the counter. The main methods for activating credit cards include counter activation and customer service phone activation. Therefore, in addition to activating a credit card at the counter, you can also activate it by calling the customer service number of the bank to which the credit card belongs. However, it should be noted that credit cards issued through different channels have certain restrictions on the activation methods of the credit card.

If the applicant applies directly to the bank counter when applying for a credit card or applies for a credit card through the bank's loan officer, it can be activated at the bank counter or through the bank's customer service phone.

However, there are also some credit cards that must be activated at the counter of a local bank. For example, if an individual applies for a credit card on the official website of Bank of Communications, this kind of credit card cannot be activated through customer service phone calls. The applicant must hold a valid personal Bring your ID and credit card and go to the local Bank of Communications counter to activate the card.

As for why credit card activation is required, because credit cards are basically delivered to applicants by registered mail. In order to avoid being mailed to the wrong address or the credit card being stolen during the mailing process, the bank requires Before using a credit card to make purchases, you must activate it. During activation, the cardholder is required to provide personal information, such as birthday, ID number, etc. for verification. This ensures the safety of the cardholder. Even if it is mailed incorrectly or is stolen, your personal information will not be activated if others do not know it, and naturally you will not be able to use the card for consumption.

How to open a credit card

When opening a new account/changing a card with China Merchants Bank Credit Card, after receiving the card, you need to activate it before it can be used normally. Card opening can be done through the following channels:

1. Manual phone call: You can call the credit card customer service hotline and select 3#-1-3 to switch to manual or 4# voice card opening.

2. Mobile banking: Please log in to mobile banking and click Homepage→All→Credit Cards→Card Manager→Credit Cards that need to be activated→Card opening.

3. Online banking: After logging in to online banking, select Credit Card → Card Management → Credit Card Opening, click Open Card in the operation column and follow the prompts to open the card.

Warm reminder: Please sign on the back of the card after opening the card. The signature must be consistent with the signature on the application form.

4. Palm Life: After you log in to Palm Life, select My → Card Manager, slide the upper menu to the right, and click One-click Card Opening to activate the credit card you received.

5. Credit card official website: Log in to the homepage of the credit card official website (click here to enter the web link), select "Card Opening (New Card Activation)" and enter relevant information to open the card.