After applying for a rural commercial credit card, you need to activate it before you can use your credit card.

After completing the activation process, you can use the card to conduct overdraft non-cash transactions at Rural Commercial Bank’s special merchants.

You only need to swipe your card at the card swiping machine provided by the merchant to complete the payment without paying cash.

You can also go to the Rural Commercial Bank processing point with your credit card to bind your mobile phone number to activate the credit card.

Notes: (1) Please make sure your credit card type is a credit card or quasi-credit card. A credit card is a credit card provided by the card-issuing bank that allows the cardholder to "spend first and deposit later" in the credit card account. At present, most of them are credit cards of this type. A quasi-credit card is a credit card issued by a bank where you deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

(2) Please clarify the service scope, overdraft limit, repayment date and other information of your credit card, and consume rationally and moderately.

Supplementary information: Consequences of overdue credit cards: 1. Liquidated damages, usually 5% of the unpaid portion, which is the minimum repayment amount. 2. It will affect your credit record, causing you to be unable to handle financial needs such as house purchases and loans in the next two years. 4. If the payment is overdue for more than 3 months, and the amount exceeds 10,000 yuan, and the bank has failed to make multiple reminders, you will not only have to bear the money, but may also bear criminal liability.

Security matters: Due to the convenience and speed of using credit cards, coupled with the rapid development of technology, credit cards are facing more and more serious security problems due to the mechanism of consumption first and payment later. Major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security issues of credit cards are mainly divided into the following three aspects: 1.

Credit cards: Criminals or criminal groups use counterfeit or used credit cards (expired/lost, invalid/damaged tapes, etc.) to impersonate the original card consumption, and directly defraud merchants or card issuers.

2. Cardholder: Improper credit card storage/handling (expired/invalid credit card not destroyed, or lost and not immediately invalidated, etc.), personal identity information stolen or unintentionally deceived. In order to avoid such problems, citizens should not easily provide personal identity information to outsiders, and it is best not to entrust others to apply for credit cards on their behalf.

3. Consumer merchants: Service personnel supervise the cardholder’s consumption process, or steal the cardholder’s credit card information to other merchants for consumption. This can happen, whether it is a physical business or a virtual online business.

Card issuer: The computer system was maliciously attacked and basic customer/transaction information was stolen. Unethical things can also happen within organizations, such as employee theft and internal surveillance.