How to activate and use a credit card for the first time
Many friends who apply for a card for the first time don’t know what to do after getting the credit card. Normally, after you get a credit card, you must first activate it before you can use it. The following will give you an introduction to how to activate and use a credit card.
1. Credit card activation
The first time you use a credit card, you must activate it. Unactivated credit cards cannot be used. There are many ways to activate credit cards. Cardholders who don’t know how to activate can refer to the following three methods:
1. Activation at the counter: This activation method is very simple and generally requires you to bring a valid ID. . Apply for a credit card at the business outlet of the card-issuing bank. Some banks stipulate that you can apply for a credit card online. You can only apply for a card through this method. The relevant documents you need to bring will usually be notified in the text message.
2. Online activation: There are many ways to activate your credit card online. You can activate it by following the card issuer's WeChat official account, or you can activate it on the card issuer's official credit card website.
3. Telephone activation: Generally, you need to call the 24-hour service hotline on the back of the credit card, and then follow the voice prompts to open the card by yourself. If not, you can transfer to manual service and ask customer service to help open the card.
2. Credit card use
Credit card use includes many aspects, such as card consumption, online payment, repayment, and handling of various businesses, such as bill installments, cash withdrawals, etc. , when applying for a card for the first time, you must have a general understanding of how to use a credit card.
1. Credit card consumption: Credit card can be used as a payment tool, and consumption can be made directly through the card POS machine installed by the merchant.
2. Online payment: Online payment with credit card is very simple. For example, if you want to shop on Taobao, select the product and click to pay, select the payment method as credit card, enter the credit card, three-digit security code, and SMS verification code. It's time to pay.
3. Repayment: When using a credit card for overdraft consumption, you must repay it on time, otherwise overdue payments will affect your credit record. There are many ways to repay credit cards. You can repay through mobile banking or through a third-party payment platform, such as Alipay.
How to activate the credit card after receiving it
1. You can call the customer service number of the bank to which the credit card belongs to activate.
2. You can go to the official website of the bank to which the credit card belongs to activate it yourself.
There are many ways to activate a credit card after receiving it. Cardholders can activate online through the card issuer’s credit card exclusive APP, WeChat official account, online banking, customer service phone number, etc., providing the credit card, cardholder’s name, and ID card. Number, mobile phone number and other information are enough. Cardholders can also bring their valid personal identity document, credit card, and "Card Collection Confirmation Letter" to the counter of any card-issuing bank outlet to handle activation procedures. Note that if you apply for a new credit card online, you can only activate it through the branch counter, because the bank still has to go through the interview process. Computer browser: macbookpromos14 opens Google version 92.0.4515.131
If there is a balance in the credit card, the judgment or ruling will be executed. The party's credit card funds are within the scope of property that can be executed.
Frozen credit card debts only freeze the amount of the bank to which your credit card belongs. Banks have no right to freeze your deposits in other banks;
If the balance is overdue for more than three months or the bank demands it, If you fail to repay more than two payments, the bank will freeze your card and list you as a banned customer (blacklist). At the same time, your credit card and malicious overdraft will be enforced.
If you later refuse to repay and the amount you owe exceeds RMB 10,000, you will be sentenced according to Article 196 of the Criminal Law: Credit Card Crimes!
Under what circumstances will the bank freeze a bank card?
The bank card is a credit card (credit card). If it is frozen, it may be that the credit card has had abnormal transactions, such as malicious cash withdrawals and forgery. If the information or password is incorrect continuously, the bank card may be frozen by the bank.
For bank cards that can be overdrafted, the bank will set an overdraft share based on the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your bank card.
The bank card is a debit card. If it is frozen, one is a wrong account freeze, which means that the bank mistakenly transfers more money to the depositor's account during the transaction, then the bank may freeze the excess. Lose.
One is judicial freezing. According to relevant provisions of the law, judicial organs can apply to banks to freeze bank cards due to the need to handle cases. At the same time, customs, tax authorities and other departments also have the right to freeze.
No matter what bank card it is, if you enter the password incorrectly three times in a row, the bank system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be automatically canceled after 24 hours. If your bank card expires and you do not apply for a new one, the bank will freeze your expired bank card after expiration.
If a bank card is reported as lost multiple times in a row, the bank will deem it malicious and freeze the card.
A credit card is a bank card that provides simple credit facilities for non-cash transactions. Banks issue credit certificates to individuals or entities based on the user's creditworthiness and financial status for the purpose of purchasing goods and paying consumption expenses. Consumers can obtain cash and make purchases at designated banks, consumption venues and other places with their card signatures, and can overdraft a certain amount of cash.
How to activate a credit card?
Generally, after applying for a credit card, there are the following methods:
1. Activation at a branch: Bring your ID card to the bank counter to activate.
2. Telephone activation: Call the customer service number on the back of your credit card to activate, and follow the customer service prompts to activate.
3. Online activation: Log in to the credit card center website. Each bank has different websites, but the activation steps are roughly the same.
The reason why credit card activation is required: Because credit cards are basically delivered to applicants by registered mail. In order to avoid being mailed to the wrong address or the credit card being stolen during the mailing process, the bank requires Credit cards must be activated before swiping the card for consumption. During activation, the cardholder is required to provide personal information, such as birthday, ID number, etc. for verification.
For the safety of cardholders, the card is not activated before mailing. This is because even if it is mailed by mistake or someone else does not know your personal information, it will not be activated, and naturally you will not be able to use the card for consumption.
Extended information:
What will happen if the credit card is activated but not consumed?
Not consuming after the credit card is activated will not cause too big a problem. However, the bank will deduct the annual fee from the card limit later. Customers must remember to repay the loan on time, otherwise it will cause overdue payment and then the card will be overdue. It will have a negative impact and your personal credit will be damaged as a result.
Of course, if the annual fee of the customer's card is directly waived, then naturally there is no need to worry about the annual fee. After that, just pay attention to keeping the card to avoid information leakage and security risks.
Everyone needs to note that in fact, many ordinary and gold-level cards can be used to waive annual fees, so customers can use the card to make purchases a few times a year, as long as they reach the specified number, then the annual fee will be waived, and customers No more repayments. In the past, credit card purchases only had to be paid off on time before the repayment date (inclusive), and customers only had to repay the principal of the purchase without accruing interest.
If the customer only applies for a card for collection and does not use the card for consumption, it is recommended that the customer choose a card that directly waives the annual fee. If you apply for a high-level card such as a platinum card or a diamond card, the card will be overdue if you fail to repay it when the repayment date comes due to a hard annual fee.
How to activate a credit card?
The method of activating a new credit card is as follows:
1. Activate at the bank branch counter: Bring your ID card and credit card to the bank counter for activation That’s it.
2. Customer service phone activation:
(1). Call the 24-hour customer service hotline shown on the back of the credit card and enter the cardholder’s and query password;
(2). Follow the voice prompts and select credit card activation.
3. Online activation:
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(1). First log in to the credit card issuing bank Enter the cardholder's password on the online banking page;
(2). Find the "Credit Card Activation" page and enter verification information such as the reserved phone number according to the prompts on the page. If the identity verification is passed, the credit card can be activated.
1. Credit card opening
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. The card opening process is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
2. Credit card identification
The credit card must have at least the following information:
Front: name and logo of the issuing bank, credit card number (organization logo) and hologram Anti-counterfeiting mark, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts .
Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).
How to activate a credit card after applying for it
The debit card needs to be activated at the counter. The process is as follows:
Go to the bank branch with your ID card and bank card;
Fill out the form with the assistance of the bank lobby staff;
Queue to get the number;
Calling your number at the counter, go to the counter and follow the prompts to bind your mobile phone;
The process is completed.
Note: Debit cards opened by individuals do not need to be activated and can be used directly. Debit cards opened in batches need to be activated. Inactive bank cards are dormant accounts and cannot be operated in any way. You need to go to the counter of the issuing bank with your bank card and ID card to activate the bank card before it can be used normally.
How to activate a credit card after applying for it? There are three ways to operate it - Perpetual Calendar
For many people who apply for a credit card for the first time, they do not know how to activate the credit card after the credit card is successfully applied for. There are several specific ways to activate it, so how do you activate it after applying for a credit card? In fact, there are three ways to activate a credit card. Let’s take a look below.
How to activate a credit card after applying for it
It is understood that there are three ways to activate a credit card: 1. Online banking activation. Cardholders can log in to the card-issuing bank's online banking and activate the online page, fill in the relevant information according to the prompts, and then set a transaction password. After completion, click Activate; 2. Activate by phone. Cardholders can also call the 24-hour customer service hotline displayed on the back of the credit card to transfer manual services, enter the relevant file number according to the voice prompts, and activate the credit card; 3. Mobile APP activation. Log in to the card-issuing bank's mobile APP, bind your credit card, fill in the relevant information as prompted, and set a password to activate.
The editor reminds you that when activating a credit card, you must set a password carefully. It's best not to set your password to a number related to your birth year, as this won't be as secure. Once a credit card is lost, it can easily be stolen. In addition, it should be noted that credit cards have two passwords, one is the inquiry password and the other is the transaction password. Do not confuse them. You must distinguish these two passwords, otherwise it will cause you a lot of trouble.
This ends the introduction on how to activate a credit card and how to activate a bank card after applying for a credit card. I wonder if you found the information you need?