How to activate a credit card?

The method of activating a new credit card is as follows:

1. Activate at the bank branch counter: Bring your ID card and credit card to the bank counter for activation That’s it.

2. Customer service phone activation:

(1). Call the 24-hour customer service hotline shown on the back of the credit card and enter the cardholder’s and query password;

(2). Follow the voice prompts and select credit card activation.

3. Online activation:

(Browser computer: macbookpromos14 opens Google version 92.0.4515.131)

(1). First log in to the credit card issuing bank Enter the cardholder's password on the online banking page;

(2). Find the "Credit Card Activation" page and enter verification information such as the reserved phone number according to the prompts on the page. If the identity verification is passed, the credit card can be activated.

1. Credit card opening

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. The card opening process is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

2. Credit card identification

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and hologram Anti-counterfeiting mark, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts .

Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

How to activate a credit card?

Generally, after applying for a credit card, there are the following methods:

1. Activation at a branch: Bring your ID card to the bank counter to activate.

2. Telephone activation: Call the customer service number on the back of your credit card to activate, and follow the customer service prompts to activate.

3. Online activation: Log in to the credit card center website. Each bank has different websites, but the activation steps are roughly the same.

The reason why credit card activation is required: Because credit cards are basically delivered to applicants by registered mail. In order to avoid being mailed to the wrong address or the credit card being stolen during the mailing process, the bank requires Credit cards must be activated before swiping the card for consumption. During activation, the cardholder is required to provide personal information, such as birthday, ID number, etc. for verification.

For the safety of cardholders, the card is not activated before mailing. This is because even if it is mailed by mistake or someone else does not know your personal information, it will not be activated, and naturally you will not be able to use the card for consumption.

Extended information:

What will happen if the credit card is activated but not consumed?

Not consuming after the credit card is activated will not cause too big a problem. However, the bank will deduct the annual fee from the card limit later. Customers must remember to repay the loan on time, otherwise it will cause overdue payment and then the card will be overdue. It will have a negative impact and your personal credit will be damaged as a result.

Of course, if the annual fee of the customer's card is directly waived, then naturally there is no need to worry about the annual fee. After that, just pay attention to keeping the card to avoid information leakage and security risks.

Everyone needs to note that in fact, many ordinary and gold-level cards can be used to waive annual fees, so customers can use the card to make purchases a few times a year, as long as they reach the specified number, then the annual fee will be waived, and customers No more repayments. In the past, credit card purchases only had to be paid off on time before the repayment date (inclusive), and customers only had to repay the principal of the purchase without accruing interest.

If the customer only applies for a card for collection and does not use the card for consumption, it is recommended that the customer choose a card that directly waives the annual fee. If you apply for a high-level card such as a platinum card or a diamond card, the card will be overdue if you fail to repay it when the repayment date comes due to a hard annual fee.

How to activate a credit card can be completed through these methods

Nowadays, many people will apply for a credit card. Whether it is online shopping or offline consumption, they can use the credit card for settlement. is very convenient. A new credit card needs to be activated before it can be used. So how do you activate a bank credit card? What will happen if it is not activated? Let’s take a look below.

How to activate a bank credit card

1. Activation at an outlet: Cardholders can bring their ID card and credit card to the outlet of the issuing bank, apply to the staff to activate the credit card, and then fill in the form and submit the information Submit it to the staff and activate it after approval.

2. Activation by customer service phone: Cardholders can call the customer service phone number of the credit card center. After being connected, follow the prompts to transfer to manual service. Then apply to the staff to activate the card and provide personal information such as credit card and ID number. After completing the identity verification, you can successfully activate.

3. Online banking activation: Cardholders can log in to the card-issuing bank’s online banking to activate the credit card. Taking the ICBC credit card as an example, after logging into ICBC personal online banking, select “Bank Card Services” in the personal account "Peony Card Activation", click to enter the interface, then follow the prompts to enter your credit card, card validity period, name, ID number and other relevant information, click the "Confirm" button, and finally set the credit card password and confirm to activate the ICBC credit card.

What will happen if the credit card is not activated

1. If the credit card is not activated after application, it will not be automatically canceled. The credit card will not become invalid until the validity period of the credit card expires.

2. Generally, the validity period of a credit card is marked on the card. Failure to activate the credit card will have a certain impact on future credit card applications and may increase the difficulty of credit card application.

3. If your credit card is not activated and charges an annual fee, it is likely to be overdue, thus affecting your personal credit report.

So under normal circumstances, users must activate it as soon as possible after receiving a credit card issued by the bank. If the user does not want to use the credit card, just cancel it. As for the credit card activation method, you can refer to the above mentioned, but under normal circumstances, it is recommended that you activate it online.

How to activate a credit card after receiving it

Generally, after applying for a credit card, there are several ways to activate it:

1. Activation at an outlet: Bring your identity Go to the bank counter to activate the card.

2. Telephone activation: Call the customer service number on the back of your credit card to activate. Activate according to customer service prompts.

3. Online activation: Log in to the credit card center website. Each bank has different websites, but the activation steps are roughly the same. For example, with Everbright Credit Card, log in to the Everbright Bank Credit Card Center online and directly select the "Online Activation" option to activate the credit card.

This is the end of the introduction about how to activate a credit card after receiving it and how to activate the credit card in use suddenly. I wonder if you found the information you need?