If the validity period of the credit card has not expired, you can still apply for activation. If the validity period of the credit card is exceeded, you must apply for a new card. If there is no time limit for credit card activation, if you want to use this card, you can bring your ID card and credit card and apply for activation at the bank branch counter. You don't need to reapply, because there is a date, you can only reapply.
If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license, a copy of the car driving license, a bank lender (with good credit, overdue for no more than 60 days) or a copy of the deposit certificate.
You can look at the two sets of numbers separated by "/"at the bottom right of the card. The month is before, and the year is behind. This is the validity period of the credit card. As long as the card is activated within this date, it can be used normally.
Extended data:
For non-cash transactions (cash advance or transfer), the interest-free repayment period is from the bank bookkeeping date to the due repayment date.
The shortest interest-free repayment period is 25 days and the longest is 56 days. During this period, you don't need to pay any interest on non-cash transactions, provided that you pay off the current payable amount (total amount owed) on the current statement in full (you don't enjoy the interest-free discount on cash advance).
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.
The calculation formula of the minimum repayment amount is as follows: minimum repayment amount = 10% consumption balance+10% cash withdrawal balance+interest balance+other payable expenses balance+unpaid portion of the minimum repayment amount in the previous period.
Bank of Communications adopts the calculation method of revolving credit interest.
Revolving credit: Revolving credit is a small unsecured loan with daily interest.
According to your financial situation, you can decide the repayment amount by yourself every month before the current credit card bill expires.
When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance.
Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily.
If you choose to use revolving credit, you cannot enjoy the interest-free repayment period in the current period.
References:
Baidu Encyclopedia-Bank of Communications Credit Card