A credit card account has been opened means that the applicant has successfully obtained a credit card and the credit card account has been officially opened. Typically, banks will review the applicant's credit profile and income to determine whether to approve a credit card application. Once a credit card application is approved, the bank will issue a credit card and send relevant account information to the applicant to confirm that the credit card account has been officially opened. After opening an account, the cardholder can use the credit card for consumption, cash withdrawal and other operations, and repay according to the agreed period.