What will happen if the credit card is not activated?
If the credit card is not activated, it will not be used regularly. In order to enable customers to enjoy the various benefits of CCB credit cards as early as possible, it is recommended that customers open and use the card immediately after receiving it. For cards that have not been activated before the card expires, CCB will not issue a new card to the customer upon expiration. Note: If the customer applies for a CCB credit card with a rigid annual fee, the annual fee will be incurred regardless of whether the customer activates it or not.
(In case of business changes, please refer to the actual situation.)
What happened if the postal credit card is not activated for 2 months?
After your credit card is successfully approved, no matter it is activated or not, the bank will not automatically invalidate the credit card for you. It will not be automatically invalidated until the validity period of the credit card expires.
In short, if the credit card is not activated, it will be canceled after expiration. Expired credit cards that have not been activated will be canceled and can no longer be used.
PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. , four supplementary cards can be set. The main pattern on the China Postal Savings Bank credit card is the Chinese character "ding", the background color is blue-green for regular cards, and golden for gold cards.
According to statistics, as of October 2010, the Postal Savings Bank of China's business has fully covered all prefectures and cities, 2,100 counties, cities and major towns and villages across the country, with more than 4,500 outlets nationwide. This business has been started. In just a few years, the Postal Savings Bank of China has developed very rapidly. From the launch of its business to October 2010, the Postal Savings Bank of China has issued loans to nearly 4 million households across the country, with an amount of more than 230 billion yuan, with an average loan of about 5.9 Ten thousand yuan, the Postal Savings Bank of China has distributed more than 150 billion yuan in rural areas at and below county level.
Postal Savings Credit Card Types: regular card, gold card, self-mailed group co-branded card, Travel China-Damei Travel Card, Travel China-Hainan International Tourism Island Card, Postal Savings Tongcheng Travel Credit Card, Postal Savings Thousand Island Lake Travel co-branded credit card, Postal Savings Zhongyuan Food Credit Card, Anhui Transportation co-branded credit card, all-currency credit card.
China Postal Savings Credit Card Gold Card is a standard credit card product developed for mid-to-high-end people. In addition to revolving credit, consumer installments, cash advance, optional password, and other services, the product also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, free transaction reminders, high-limit cash advance, and birthday double payment. It is a real credit card that meets international standards and has many special services such as double points and exciting gift redemption. It allows cardholders to enjoy the convenience and benefits of "swiping the card first to spend and then repay later" at home and abroad. They can use the card worry-free anytime, anywhere. .
Product Features
This gold card product has been fully upgraded compared to ordinary cards in six major aspects: card use safety, convenience and smart financial management, providing cardholders with more superior uses. card experience.
Exclusive service
Real-time transaction reminder--as long as there is a transaction in your account, you can receive free transaction SMS reminders from our bank. 50% cash advance ratio-Gold card holders can enjoy a cash advance ratio of up to 50%.
What will happen if the credit card sent is not activated?
After receiving the credit card, if you don’t want to use it, you can not activate it. According to relevant regulations, the bank will not charge any fees for non-activation of the credit card. But if you still want to use it, it’s best to activate it as soon as possible, because some credit cards can be activated at any time during the validity period, but some credit cards will be automatically canceled if they are not activated within 90 days after the card is approved.
In addition, if you do not activate your credit card, your credit report will not be affected. When a customer applies for a credit card, the bank needs to review the customer's credit report to evaluate the customer's credit status to determine whether the customer is eligible to apply for a credit card. If the customer does not activate the card after applying for the card, the account will be displayed as an inactivated account on the credit report, but there is generally no negative impact.
CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.
A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. 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.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
There is no need to pay cash when using a credit card, and repayment will be made on the billing date (BillingDate). 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; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.
Will there be an annual fee if the postal credit card is applied but not activated?
If the postal credit card is not activated after application, there is no annual fee. Because according to regulations, no fees may be charged to a credit card without activation by the cardholder.
According to Article 49 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", the card-issuing bank shall establish operating procedures for credit card activation, and shall verify the identity information of the credit card holder before activation. Credit cards whose use contract (agreement) has not been confirmed by the applicant's signature and whose identity has not been confirmed by the activation procedure shall not be activated. New credit cards, lost cards, damaged cards, expired cards, etc. must be activated before they can be used by cardholders.
No fees may be deducted from the credit card without activation by the cardholder. Under special circumstances, the cardholder alone authorizes the deduction of fees in writing, customer service phone recordings, electronic signatures, and methods mutually recognized by the cardholder and the card-issuing bank, except for the creditor-debt relationship that has been formed when the card is replaced.
Extended information:
Article 52 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" card-issuing banks shall establish a credit card business risk management system. The card-issuing bank learns from the public security organs, judicial organs, the cardholder himself, relatives, transaction monitoring or other channels that the cardholder's identity document has been stolen, his family's financial situation has deteriorated, his repayment ability has declined, his reserved contact information has expired, and his credit status has deteriorated. , when there is risk information such as abnormal card usage behavior;
You should immediately stop operations that may increase credit risks, such as increasing the credit limit, authorizing card services beyond the credit limit, authorizing installment business, etc., and take measures to increase transaction risk as appropriate. Risk management measures such as monitoring intensity, reducing credit lines, stopping payments, freezing or implementing second sources of repayment.