How to activate a credit card can be completed through these methods

Nowadays, many people will apply for a credit card. Whether it is online shopping or offline consumption, they can use the credit card for settlement. is very convenient. A new credit card needs to be activated before it can be used. So how to activate a bank credit card? What will happen if it is not activated? Let’s take a look below.

How to activate a bank credit card

1. Activation at an outlet: Cardholders can bring their ID card and credit card to the outlet of the card-issuing bank, apply to the staff to activate the credit card, and then fill in the form and submit the information Submit it to the staff and activate it after approval.

2. Activation by customer service phone: Cardholders can call the customer service phone number of the credit card center. After being connected, follow the prompts to transfer to manual service. Then apply to the staff to activate the card and provide personal information such as credit card and ID number. After completing the identity verification, you can successfully activate.

3. Online banking activation: Cardholders can log in to the card-issuing bank’s online banking to activate the credit card. Taking the ICBC credit card as an example, after logging into ICBC personal online banking, select “Bank Card Services” in the personal account "Peony Card Activation", click to enter the interface, then follow the prompts to enter your credit card, card validity period, name, ID number and other relevant information, then click the "Confirm" button, and finally set the credit card password and confirm to activate the ICBC credit card.

What will happen if the credit card is not activated

1. If the credit card is not activated after application, it will not be automatically canceled. The credit card will not become invalid until the validity period of the credit card expires.

2. Generally, the validity period of a credit card is marked on the card. Failure to activate the credit card will have a certain impact on future credit card applications and may increase the difficulty of credit card application.

3. If your credit card is not activated and charges an annual fee, it is likely to be overdue, thus affecting your personal credit report.

So under normal circumstances, users must activate it as soon as possible after receiving a credit card issued by the bank. If the user does not want to use the credit card, just cancel it. For the activation method of credit card, you can refer to the above mentioned, but under normal circumstances, it is recommended that you activate it online.

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;

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 credit card application 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, English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, 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 receiving it

Generally, after applying for a credit card, there are several ways to activate it:

1. Activation at an outlet: Bring your identity Go to the bank counter to activate the card.

2. Telephone 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. Each bank has different websites, but the activation steps are roughly the same. For example, with Everbright Credit Card, log in to the Everbright Bank Credit Card Center online and directly select the "Online Activation" option to activate the credit card.

How to activate a credit card?

How to activate a credit card? What are the methods for activating a credit card? The editor of IAika will introduce to you how to activate a credit card.

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.

Activate credit card by phone

Take Bank of Communications as an example. After you receive a Bank of Communications credit card, you must activate it before you can use it. Here we first teach users how to activate by phone and set transaction passwords. .

The activation process of China Merchants Bank credit card customer service phone is as follows.

(1) Call the 24-hour customer service hotline shown on the back of the credit card, select the appropriate language, and enter the cardholder's and query password.

(2) According to the voice prompts, select the card activation option under the "Credit Card Activation and Password Management" menu.

(3) Enter the last 3 digits printed after the signature field on the back of the cardholder's credit card and press the # key to confirm.

(4) Enter the cardholder’s home phone number and press the # key to confirm.

(5) Enter 6 digits as the cardholder’s transaction password and press the # key to confirm.

(6) Enter the 6-digit transaction password again and press the # key to confirm.

(7) The transaction password is set successfully.

Activate credit card online

Still taking Bank of Communications as an example to tell you how to activate a credit card through the Internet.

(1) First log in to the online banking page of the Bank of Communications credit card and enter the cardholder's inquiry password.

(2) Please change your query password promptly after logging in.

(3) When your credit card initial password is successfully changed, please log in to online banking again.

(4) After logging in for the second time, please click "Credit Card Activation" and enter the last 3 digits printed on the signature line on the back of your credit card and your home phone number according to the prompts on the page.

(5) After successful activation, enter the 6-digit number as your transaction password according to the prompts.

(6) If you have not checked the "Use password to confirm transaction" function on the application form, you can change the transaction mode to password signature after the setting is completed.

This is the introduction of how to activate the credit card after receiving it.