Not activated. According to the official website of China Merchants Bank, the bank’s credit card requires a phone call to activate the card before the card can be swiped, so the linkage advantage cannot be used because it is not activated. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It is a card that consumes first and then repays, uses bank funds for early consumption, and enjoys an interest-free period.