First, the first card application must be activated at the bank counter. If you apply for a bank credit card this time, you can't activate it in the bank until you get the credit card. Remember to bring the customer's credit card confirmation letter, credit card and the original valid ID card when you go to the bank counter for activation. Although some banks only need to bring their ID cards to activate, some banks need confirmation letters from customers. In a word, it's better to take it than not to take it.
If you already have a credit card, you don't need to go to the bank to activate it. If you already have a credit card in the bank, you don't need to go to the bank counter to activate the credit card you applied for. It should be noted that the credit card you apply for online must go to the bank counter to set the password.
3. What other activation methods are available for credit cards?
1. Online banking has been activated. The cardholder can log in to the online bank of the issuing bank, activate the page online, fill in the relevant information according to the prompts, and then set the transaction password. When you are finished, click Activate. 2. Mobile phone activation. The cardholder can also dial the 24-hour customer service hotline displayed on the back of the credit card to transfer the manual service, and enter the relevant ID number according to the voice prompt to activate the credit card. 3. The mobile application has been activated. Log in to the mobile APP of the issuing bank, bind the credit card, fill in the relevant information according to the prompt, and complete the activation after setting the password.
How to use credit cards reasonably;
1. When using credit cards, the first thing to do is to make good use of the interest-free period of credit cards. Choosing the right time to swipe your card allows users to enjoy the longest interest-free period. In normal times, credit card holders can swipe their cards on the second day of the credit card billing date, and then the cardholders can enjoy the longest interest-free period, which is a great advantage for cardholders.
2. Credit cards should be swiped more at ordinary times, so that banks can increase the credit line. However, it is best to keep the monthly credit line above 70%, so that the chances of applying for increasing the credit line will be high and the users will get a higher credit line.
3. If you want to use the credit card reasonably, you'd better avoid using the cash withdrawal function. Users have to pay handling fees and interest when withdrawing cash, which will be very high together, which is very unfavorable to users. Moreover, the interest will be compounded monthly until the user pays off the withdrawal amount; When repaying, the withdrawal amount is not allowed in installments, and the user must pay it off in one lump sum. Also, don't use the credit card beyond the time limit. If the overdue records are uploaded to the credit information center by the bank, the bank will refuse the loan application after the credit information is bad; And it will be preserved for a long time. Repayment on time is the premise of rational use of credit cards.
In normal times, it is best not to deposit money in the credit card. If the deposit money is taken out, the bank may charge a handling fee, which is very unfavorable to the cardholder; There is also the use of credit cards must not be over-swiped, which will bring many adverse effects. Therefore, the usual consumption of credit cards must be controlled.