Can the Bank of China credit card be used without activation?

The card must be activated before normal use. After receiving the Bank of China credit card letter, whether it is the main card or the supplementary card, you must follow the information prompts in the card letter to activate the card.

1. Please check the bank of China credit card letter, name pinyin and other information. After verification, please sign the signature strip on the back of the card immediately, and sign the same signature when using the credit card in the future.

2. Please do not use the card before it is activated, so as to avoid abnormal status of the card and any inconvenience caused to you. We apologize for your understanding.

3. If you hold multiple Bank of China credit cards, we will provide you with an independent transaction password for each card. You can apply for the "password signature" transaction method of swiping your card and set a transaction password to ensure the safety of your consumption. You can also cancel at any time afterwards, making the setting convenient and flexible.

The above content is for your reference, please refer to actual business regulations.

Is there any impact if Bank of China's credit card is not activated?

For credit cards that have not been activated after successful application, Bank of China currently does not charge annual fees and will not take the initiative to cancel them. Please complete the activation procedures within the validity period of the credit card. If the activation is not completed within the validity period, the card will become invalid.

The above content is for your reference, please refer to actual business regulations.

What are the consequences if the Bank of China credit card is not activated for a long time?

The impact of long-term inactivation of Bank of China credit cards:

Bank of China will not charge annual fees for inactive credit cards. Cards can be activated and used within the validity period, but Bank of China will not take the initiative to issue new cards after the inactivated card expires. If you have no need to use the card temporarily, it is recommended that you keep the card properly. If lost accidentally, please report the loss formally in time. For unactivated cards, the loss report handling fee will be waived.

You can use Bank of China personal mobile banking, Bank of China Colorful Life APP, "Bank of China Credit Card" WeChat official account, Bank of China personal online banking or call Bank of China Credit Card customer service hotline 4006695566 and press "#" through the voice prompts Quickly process the loss report with the number key.

You can activate your credit card through Bank of China personal mobile banking, Bank of China Colorful Life APP, "Bank of China Credit Card" WeChat official account, Bank of China personal online banking or call the Bank of China credit card customer service hotline 4006695566. (If your credit card has not been activated for a long time, it is recommended to check the annual fee reduction time before activation)

The above content is for your reference. Please refer to the actual business regulations.

Will Bank of China charge an annual fee if the credit card is not activated?

Currently, Bank of China will not charge any fees if the card is not activated. During the year when the credit card is used, the accumulated card consumption of the local and foreign currency accounts in the year meets the following conditions: , the annual fee for the current year can be reduced or exempted, except for special card types:

1. The personal Gold Card is exempted from the annual fee in the first year, and 5 transactions are exempted in the following year; the annual fee reduction policy for supplementary cards is the same as that for the main card;

2. From 2017 to 2018, new platinum card customers will be exempted from the first-year annual fee. Old customers and new customers need to pay 12 annual fees for the next year and a minimum of 20,000 yuan will be waived, or use 100,000 transaction points to redeem Annual fee; the annual fee reduction and exemption policy for supplementary cards is the same as that for the main card;

3. All-currency international chip series gold, regular and platinum credit cards: There is no annual fee for applying for the card before December 31, 2018.

4. World Elite Card/New Infinity Card Diamond Card: Since 2017, World Elite Card/New Infinity Card Diamond Card has strictly implemented the annual fee collection policy. In principle, all customers are charged annual fees. Or customers can use 400,000 transaction points to redeem the annual fee.

5. Unlimited card dual-currency card: 2018 policy, in principle, an annual fee is required; the annual fee for the following year requires customers to use 400,000 transaction points to redeem.

6. American Express Private Card: New cards issued in 2018 will be given a first-year discount policy; the annual fee for the next year requires customers to use 800,000 transaction points, 480 exclusive points or 400,000 transaction points for 240 exclusive Points redemption.

The above content is for your reference, please refer to actual business regulations.

Let’s stop here to introduce what will happen if the Bank of China credit card is not activated.