The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card.

The issuing bank shall establish the operating rules for credit card activation, and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.

Extended data:

There are two ways to activate a credit card:

1. Bank outlets are activated.

If you apply for a credit card online, you must activate the card at the bank outlet, which can activate the credit card directly according to the instructions of the counter staff.

2. Mobile phone activation.

Call the 24-hour customer service hotline displayed on the back of the credit card, enter the cardholder's card number and inquiry password, and select credit card activation according to the voice prompt to activate successfully.

People's Daily Online-Policy Interpretation: Credit cards of commercial banks cannot be charged without the cardholder's activation.

China merchants bank-card opening