However, there is another situation. In some banks, the platinum card level, whether activated or not, will generate an annual fee as long as the card is issued, such as the platinum airline card of Industrial Bank. Although some banks have an annual fee policy of exchanging points for platinum cards, the points are based on the cardholder's credit card consumption, and there will be no points without activating consumption. In this case, the platinum card holder will be overdue because he has not paid the annual fee, which will affect his personal credit history.
If your credit card has been applied for, it is recommended to use it normally.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.
Bank card activation methods include:
1. Counter activation: Cardholders can activate at the bank counter with their ID cards and new bank cards.
2. Online activation: log in to the bank website corresponding to the bank card and activate it.
3. Telephone activation: Call the customer service hotline on the back of the card, enter the card number, ID number and expiration date of the bank card as prompted, then set the password, and wait for the system to prompt that the bank card is activated successfully.
It should be noted that if you go to the bank counter to activate, you can bring your ID card and bank card.
If you activate the bank card by calling the customer service of the bank, the customer service staff will first check the information on the credit card, such as name and card number, to make sure that the credit card obtained is indeed the credit card you applied for.
There are three types of bank card loss reporting: password loss reporting, certificate loss reporting (commonly known as bank card loss reporting) and password and certificate double loss reporting.
Password loss reporting is applicable to the case that the bank card is not lost, but the password is forgotten. After the reset password is unlocked, the original bank card can be used normally;
Report the loss of the voucher is applicable to the case that the bank card is lost, but the password is remembered. After the replacement card is decoupled, the new bank card is used, and the original bank card, that is, the lost bank card, is automatically invalidated, and the password is the original password;
Double loss reporting is applicable to the case that the bank card is lost and the password is forgotten. It usually takes seven days to decouple. After decoupling, apply for a new bank card and set a new password, and the original bank card will automatically become invalid.
The cancellation of the bank card means that the bank card is no longer used. After all the deposits on this card are settled according to the corresponding product grade, the bank will give you the money on the card in cash and other ways. It should be noted that if there are unexpired products or loans such as wealth management and funds on the card, it is not allowed to cancel the bank card.