It is not necessary to go to the bank to activate a bank card. There are many ways to activate a bank card:

1. Online banking: log in to the online banking corresponding to the bank card to activate and set a password.

2. Customer service activation: Call the bank customer service number and transfer to manual service to provide identity information and bank card information for activation.

3. Mobile APP: Download and log in to the bank APP to activate.

4. Counter activation: Bring your ID card and bank card to a business outlet to activate.

There are two ways to activate a bank card:

1. Call the customer service number on the back of the bank card, choose voice self-service activation, or switch to manual activation and set a password.

2. Bring your bank card and ID card to the bank in person to activate and set a password.

Generally, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. In addition, bank cards can also be divided into magnetic stripe cards and chip cards according to different information carriers; divided into domestic cards and overseas cards according to whether the issuer is in the country; divided into personal cards and corporate cards according to different issuing objects; divided into different account currencies. They are RMB cards, foreign currency cards and dual-currency cards.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Credit card, often called credit card, refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. It has the following features: consume first and repay later, enjoy an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

The quasi-credit card is a single-currency, single-account credit card with interest-bearing deposits and purchases settled in RMB. It has functions such as transfer settlement, cash deposits and withdrawals, credit consumption, and online banking transactions. When the account balance is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.