The normal review period of credit cards will not exceed 15 days, so the credit card center will have the results within 15 days after receiving the application materials. Are you sure that you have submitted the complete application materials and arrived at the Credit Card Center of Agricultural Bank of China, and entered the review stage? I suggest you call 95599 customer service, choose credit card service-manual service to check the specific situation, explain it to customer service in detail, check it online several times, check the status results and so on. The general audit will receive feedback from the bank whether it passes or not, and will not be delayed all the time.

After receiving the credit card, you need to activate it first.

Online credit card application can only be activated at bank outlets.

To apply for a credit card in a bank, you can activate it online, and the cardholder can log in to the official website self-service activation of the bank to which the credit card belongs.

Calling the customer service number marked on the back of the credit card can also be activated.

Or download the bank mobile APP activation.

Generally, ordinary credit cards will not charge an annual fee if they are not activated, but high-end credit cards will also charge a lot of annual fees if they are not activated. However, banks generally have an annual fee-free policy and need to ask the staff in advance. When using a credit card, you usually swipe your card in the mall, enter your password and sign your name. Don't lend your credit card to others. If the overdue credit card is caused by others, the bank will hold the cardholder responsible.

In the process of using credit cards, don't spend blindly, but pay attention to your own quota. If you feel unable to repay, you need to stop spending, otherwise the overdue period will be recorded in the credit information system, which will make it impossible to try the bank credit business in the future.

On the credit card repayment date, the bank will give the cardholder a grace period of 3 to 5 days, during which the repayment is not overdue. Once this period is exceeded, penalty interest will be charged and credit information will be recorded. From the date of consumption, the amount of penalty interest is five ten thousandths of the amount owed on a daily basis. When many friends don't have enough cash, they like to use credit cards to withdraw cash from ATMs. However, the cost of overdraft withdrawal is very expensive now. Credit card overdraft can't enjoy interest-free period, and it should be calculated according to the daily interest rate of five ten thousandths, and the withdrawal fee should be deducted, so don't overdraw cash unless absolutely necessary.