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;

< p> (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. Card opening 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 open a credit card

Generally, after applying for a credit card, you can activate the card in the following ways:

Activation at 1 branch: Bring your ID card Activate at the bank counter.

2 Phone activation: Call the customer service number on the back of your credit card to activate. Activate according to customer service prompts.

3 Online activation: Log in to the credit card center website to activate. Each bank has different websites, but the activation steps are roughly the same.

How to activate a credit card?

If you want to activate a credit card, customers can mainly take the following methods:

1. Call the service hotline of the card-issuing bank and directly apply for a card to the customer service staff. After the customer service staff has verified the customer's identity information, they will naturally help open the card. Of course, customers can also activate the card by themselves according to voice prompts.

2. Find the card you applied for in the credit card interface of the card-issuing bank's online banking/mobile banking client/credit card APP, select the activation option to operate online, and then submit the card application after completing the password verification.

3. Bring your personal ID card and credit card to the offline branch of the card-issuing bank near where you work and live, and go to the counter to find a staff member to apply for a card.

Everyone needs to note that if it is the first time to apply for a credit card from a certain bank online, you generally need to go to the branch for an interview to activate it. If not, after getting the card mailed by the bank, the customer can activate it by himself through the first two methods mentioned above, without going to the branch for an interview.

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How to open a credit card

There are three ways:

1. Call Customer service is activated.

2. Open online banking.

3. Local outlet counters are open.

If you are applying for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), work You can try to apply for certificates and proof of income. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The verification of the credit card is subject to the final review result. shall prevail.

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. The notification will ask you to go to the branch to sign and confirm the application or issue you a card directly. You can go to the counter to sign and activate the card. The details will be subject to notification from our bank after passing the preliminary review.

If you have already obtained the card and want to activate it, there are four common channels for self-service activation with the card:

1. Log in to the credit card website and click "Open Card (New Card Activation)" on the right ” and follow the prompts.

2. Select Selected - All - Card Management - One-click Card Opening on the Palm Life APP. You can also open a card by entering information according to the prompts.

3. Follow "China Merchants Bank Credit Card" on WeChat, click on the card opening progress and follow the prompts.

4. Dial 4008205555-4# to open the card - just follow the prompts.

Warm reminder: Please sign on the back of the card and keep it consistent with the signature on the application form.

If the card has been issued and you receive a text message asking you to go to any CMB counter for face-to-face signature, you need to apply for face-to-face activation at the counter. Please bring the face-to-face text message, original ID card and credit card to any CMB bank counter in person.

Requirements for applying for a credit card:

First: Proof of income. Applicants are required to fill in the name of their unit, as well as their monthly salary and position. This needs to be filled out truly, because the bank will confirm whether the applicant has sufficient repayment ability based on income.

Second: Credit report. The personal credit report must be good. If there has been an overdue loan or unpaid debt, then the application will be more difficult to pass. Credit reference is also a bank's measure of whether the applicant's credit is good, which will largely determine the success rate of the application.

Third: Proof of identity. Applicants are required to be adults over 18 years old and provide true and valid documents. Such as: ID card, passport, military ID card, etc.

The bank will verify and evaluate the applicant based on the above three conditions, and because everyone’s situation is different, the credit card limit applied for is also different. If the overall conditions are better, then the credit card The amount will be higher.

This ends the introduction on how to open a credit card and how to activate and use a credit card. Have you found the information you need?