What should I do if I don’t receive a credit card from the bank?

Nowadays, many people have applied for a credit card, because credit cards can be consumed first and repaid later, which is very convenient for users. If you want to use a credit card, you need to apply for it first. But some people are applying for credit cards, and the bank has sent them but they have not received them. So, what should I do if I don’t receive a credit card from the bank? How should we deal with this problem? Take a look below.

Credit card

The credit card applied for at the bank has not been received. It is recommended to call the bank’s customer service number to check the reason. If the credit card application is successful, the bank will usually send the credit card within 2-3 weeks after receiving the credit card application materials. After you know that the card has been approved, please always check whether there is a registration notice in your mailbox, or ask the mailroom if you can sign for it on your behalf.

Under normal circumstances, after the bank sends the credit card, it will basically be delivered to the customer. If you do not receive it, you can first check whether the delivery address is correct. After confirming that it is correct, if you have not received the credit card for a long time, please call the customer service hotline immediately to check. I would like to remind everyone that after using a credit card, you must remember to repay according to the due date, otherwise your credit report will be affected, and the consequences will be very serious.

Is it dangerous if the credit card is not received?

There is generally no danger if the credit card is not received. Under normal circumstances, the credit card can only be opened with the ID number and the mobile phone used to apply for the credit card at the time, so Even if you get the card, you can't activate it. If you do not receive the credit card after it is sent, you only need to call the customer service number of the credit card center to apply for re-shipment.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

You can use the credit card directly before you get it

You cannot use the credit card immediately after you get it. The customer must activate it first. However, it is not complicated to open the card. Generally, customers can directly Call the bank's customer service to apply for activation, or activate it yourself on online banking/mobile banking client/credit card APP, and the card can be used immediately after activation.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

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 a credit card merchant or bank accepts a credit card, it must review the validity of the credit card and the identity of the cardholder.

This is the end of the introduction about whether it is reliable to activate a credit card before you get it and whether it is activated before you get it. I wonder if you found the information you need?