The credit card needs to be activated after opening, and it can be used after activation. Because credit cards are mailed to users, accidents will inevitably occur in the middle. If it is obtained by criminals, it may be stolen, so users need to go to the bank counter to activate, from the identity of the applicant to the cardholder.

The appearance of credit card has brought great convenience to people and gradually become an indispensable payment tool in life. There are many kinds of credit cards, and each bank's credit card is different. However, many people blindly handle it when they see that the bank has a discount, regardless of whether it involves an annual fee, which eventually leads to inexplicable arrears.

There are many ways to activate a credit card. After the user completes the credit card, the bank will mail the credit card to the user in the form of an envelope. After opening the envelope, there are usually instructions and credit cards. First, check the information printed on the credit card for errors. If there is an error, do not activate it. Call the customer service in time to ask for a new one or go to the bank counter to ask the customer service for help. After checking the information, check the instruction manual. There are information such as the standard and amount of annual fee in the manual, so be sure to read it carefully. If you find it unacceptable, don't activate it. Take out the credit card after confirming that the instruction is acceptable. There is a security code on the back of the credit card. Remember, this password is the key to confirm the information. When you are ready, sign your name at the signature. When everything is ready, it can be activated. Usually you call human customer service to activate. If you are worried, you can go to the bank counter to activate your business.

Credit cards involve one's own reputation. If you don't think it's necessary, you can go to the bank to cancel it in time and get rid of the annual fee. If you use a credit card, you should pay off the arrears as soon as possible before the bill date. The consequences of overdue will be very serious, which may lead to the damage of personal credit information, which is a great obstacle to the business such as loans that may be needed in the future.

How to use the credit card after opening?

If it is China Merchants Bank, you can use it with a credit card. Please log in to official website Credit Card and click "Open Card (New Card Activation)" on the right to follow the process.

If you need to pay online, you can log in to the credit card online bank at any time and click "Online Payment-Online Payment Function Application" to open it for free.

How to use the credit card after activation?

After the credit card is activated, you can swipe your card in a physical store, or you can bind the activated credit card through platforms such as WeChat or Alipay for online shopping and living payment.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The role of credit cards:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Timely repayment after swiping the card will enhance the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Credit card withdrawal methods are:

1. Cash withdrawal at the counter:

Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the cash withdrawal password with their help to withdraw cash.

2. Cash withdrawal by tying the card:

The cardholder can bind the credit card with a peer savings card in the online banking of the credit card, then transfer the credit line to the savings card, and then use the savings card for consumption, which is also called cash withdrawal.

3.ATM withdrawal:

Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

Credit card repayment methods are:

1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.

2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.

3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.

5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

How long can I use the credit card after it is opened?

Credit cards can be used after they are opened, and there is no time limit. The cardholder can call the credit card center of the issuing bank and complete the credit card account opening operation through voice prompt or manual customer service. After the credit card is opened, you can enjoy various services of the credit card.

Credit cards must be activated before they can be used normally, commonly known as credit card opening. After receiving the credit card confirmation letter from the issuing bank, the cardholder must prompt to activate the main card and the auxiliary card according to the credit card confirmation letter information of the issuing bank.

If the cardholder receives the credit card letter from the issuing bank, it is prompted that the business outlets of the issuing bank in the provinces and cities selected by the cardholder must be activated at the time of application. The cardholder needs to bring his ID card and the credit card used at the time of application, and the business outlets of the issuing bank in the provinces and cities selected at the time of application are activated.

After the credit card is activated, the counter staff will confirm the information provided by the cardholder. The cardholder needs to copy the statement and sign the printed application form, and then the counter staff will activate the credit card and set the credit card transaction password for themselves.

If the cardholder receives the credit card letter from the issuing bank, it is suggested that the cardholder can activate the credit card through self-service channels such as online banking, mobile banking and customer service hotline of the credit card center, and the cardholder can choose any channel to activate the credit card at will.

How long can I use my credit card after activation? Pay attention to these matters.

Now more and more people will apply for credit cards for daily expenses. When they get the card, they must activate this link, otherwise they can't use the card. Many cardholders want to know how long their credit cards can be used after activation. Let's have a look.

1. How long can I use my credit card after activation?

Under normal circumstances, as long as the credit card is successfully activated, it can be used immediately without waiting, but after activation, everyone must set the relevant password according to their own card habits.

Usually, credit card passwords are divided into inquiry passwords and transaction passwords. Like credit card password inquiry, this must be set, which generally refers to the password for making bank voice calls, logging in to credit card online banking and online payment by credit card; Transaction password refers to the password that needs to be used to withdraw cash at ATM or swipe the card at POS machine. If you choose to sign a contract, you don't need to set it.

After the credit card is activated and the relevant password is set, it can be used.

2. How to use the credit card after activation?

Credit card use can be roughly divided into online payment and offline payment.

1) Online payment is an online transaction. You need to enter the set query password when using it. If you don't know what password is set, you can bind the credit card on Alipay and WeChat. When paying, choose Alipay payment or WeChat payment. Just enter the payment password separately, and you don't need to enter the credit card password.

2) offline payment, you can swipe your card on the POS machine, and you need to enter the transaction password. If you trade by signature, you don't need it. It should be noted that some credit cards are flash payment cards. By default, a small number of confidential visa exemptions are opened. Even if the transaction password is set for the transaction below 1000 yuan, you don't need to enter the password. Similarly, you can also bind credit cards, scan code payment and so on on WeChat and Alipay.

Can China Merchants Bank's credit card be used immediately after opening?

The credit card issued by China Merchants Bank can only be officially opened after it is opened. After the card is activated, you can use the credit card to swipe your card immediately without waiting for the transaction password.

Credit card opening method of China Merchants Bank:

I. Card opening at outlets

Please bring your valid ID and credit card to the counter of China Merchants Bank to activate the card opening.

Second, online card opening

Please log on to the credit card website of China Merchants Bank and select "Open Card and Set Password" to open the credit card.

Extended data

After the credit card is activated, if you spend a lot, you can pay by installments:

Shopping center installment payment

Also known as POS staging, it means that cardholders go to shopping places, such as "shopping malls" where staging can be carried out. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

Mail order installment payment

It means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments.

However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.

Bill installment payment

This is the most convenient staging method, which can be basically supported by all issuers, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.