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Is the credit card free? Can it be used after it is successfully processed?
There is no charge for applying for a credit card, and you need to activate it before you can use it.

if the conditions for handling the credit card are met, the bank will send the credit card to the customer's mailing address by mail (registered mail or EMS) after the credit card is successfully approved.

after receiving the credit card, please first check whether the pinyin of the name on the front of the card is correct. after the verification information is correct, please sign your name in the signature column on the back of my credit card, and then activate the credit card in the following ways to meet the normal use of the credit card.

credit card activation method: (Take CITIC Bank's credit card as an example)

1. Send a short message to activate

Use the mobile phone number registered in the bank when applying for a credit card, edit the short message "kk+ last 4 digits of card number+last 4 digits of home phone number" (for example: kk8888), or edit the short message "kk+ last 4 digits of card number+last 6 digits of ID number.

2. Online banking activation

You can log in to official website, click "Log in to Online Banking" and select "Open Credit Card" to activate your credit card according to the operation instructions.

3. customer service phone activation

you can call 488-95558, select "service language", select the button "2", and follow the voice prompts to complete the credit card activation.