How to activate and use a credit card for the first time
Many friends who apply for a card for the first time don’t know what to do after getting the credit card. Normally, after you get a credit card, you must first activate it before you can use it. The following will give you an introduction to how to activate and use a credit card.
1. Credit card activation
The first time you use a credit card, you must activate it. Unactivated credit cards cannot be used. There are many ways to activate credit cards. Cardholders who don’t know how to activate can refer to the following three methods:
1. Activation at the counter: This activation method is very simple and generally requires you to bring a valid ID. . Apply for a credit card at the business outlet of the card-issuing bank. Some banks stipulate that you can apply for a credit card online. You can only apply for a card through this method. The relevant documents you need to bring will usually be notified in the text message.
2. Online activation: There are many ways to activate your credit card online. You can activate it by following the card issuer's WeChat official account, or you can activate it on the card issuer's official credit card website.
3. Telephone activation: Generally, you need to call the 24-hour service hotline on the back of the credit card, and then follow the voice prompts to open the card by yourself. If not, you can transfer to manual service and ask customer service to help open the card.
2. Credit card use
Credit card use includes many aspects, such as card consumption, online payment, repayment, and handling of various businesses, such as bill installments, cash withdrawals, etc. , when applying for a card for the first time, you must have a general understanding of how to use a credit card.
1. Credit card consumption: Credit card can be used as a payment tool, and consumption can be made directly through the card POS machine installed by the merchant.
2. Online payment: Online payment with credit card is very simple. For example, if you want to shop on Taobao, select the product and click to pay, select the payment method as credit card, enter the credit card, three-digit security code, and SMS verification code. It's time to pay.
3. Repayment: When using a credit card for overdraft consumption, you must repay it on time, otherwise overdue payments will affect your credit record. There are many ways to repay credit cards. You can repay through mobile banking or through a third-party payment platform, such as Alipay.
How should I activate the Bank of China credit card I just received?
Bank of China credit card activation method:
You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, personal online banking or call the Bank of China credit card customer service hotline 4006695566 for credit card activation. If you are a new customer of Bank of China and the new card is applied for through online channels, please activate the card after receiving the credit card by completing "three personal visits" and "declaration of personal tax residency status". To complete the "Three Personal Interviews", you need to take the credit card attached to the card insertion letter and the original ID card used when applying to any Bank of China branch in the province or city you selected when applying to complete the identity verification (Three Personal Interviews) after receiving the card. The specific requirements are: Please refer to the requirements at the counter for the information you bring. To complete the "Tax Declaration", you can supplement the tax declaration through Bank of China Mobile Banking, or bring valid documents to the Bank of China counter where you apply. Please refer to the counter requirements for the specific information you need to bring.
The above content is for your reference, please refer to actual business regulations.
How to apply for a credit card
Steps to apply for a credit card:
1. The application method is generally by filling in a credit card application form. The content of the application form generally includes the application The person’s name, basic information, economic status or source of income, guarantor and their basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.
2. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.
3. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Main features:
①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;< /p>
②Credit cards have both payment and credit functions.
Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Advantages:
Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as Just return the consumed amount on schedule.
1. You can overdraft for consumption without deposit, and you can enjoy an interest-free period of 25-56 days to repay on time without any interest.
2. Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts.
3. Use the card to enjoy discounts at the bank's designated merchants
4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.
5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.
6. Use your card to make purchases and collect existing points. A variety of discounts and lucky draws are available throughout the year, so you can always be surprised just by using your card.
7. Free monthly mailing statements, allowing you to have a transparent grasp of every consumption expenditure.
8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures.
9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.
The 10.400 telephone number or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.
11. Have validity period: It is known that domestic credit cards are generally valid for three or five years.
12. Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders.
How to use a credit card as a newbie
If you have just received a new credit card, you need to activate it before you can use it, as follows:
1. Apply at a bank branch Activated;
The parties bring their ID cards and credit cards to the bank and queue up to call the number. Then go to the bank to find the counter staff to get the application form. Then fill in the required content in the customer column above and go to the counter to call the number. Give your ID card, credit card, and application form to the counter staff, and then enter the password and activate according to the instructions of the bank staff.
2. You can log in to the bank’s official website and follow the website prompts to activate;
3. You can call the bank’s official customer service number and follow the prompts to activate.
When using credit cards, you need to pay attention to some tips. For example:
1 Try to pay a large amount after the billing date, because you can make full use of the interest-free period of your credit card.
2 We have the opportunity to modify the billing date once a year. If the amount of a certain bill is too large and you feel that it is difficult to repay, you can use this opportunity to extend the interest-free period.
3 When using a credit card, try not to withdraw money, make installments, or recycle credit! These three items are the largest sources of profit for credit cards and are also the three items with the highest fees. It is worth noting that in addition to the handling fee for credit card cash withdrawals, interest will be calculated on the cash withdrawal amount on a daily basis. Many newbies often ignore the latter, which is terrible!
4 When using a credit card, never put the cart before the horse and don’t overspend just to get discounts.
Newcomers need to pay attention to the following points when using credit cards:
1. After placing a credit card, the cardholder needs to activate the credit card, otherwise it cannot be used. The activation method can be mobile banking, online banking, telephone customer service, etc.
2. After the credit card is activated, in order to prevent theft, attention should be paid to protecting the credit card payment password, credit card security code, cardholder signature, etc.
3. Pay attention to check and remember the credit card statement date, repayment date, annual fee payment rules and other information to avoid overdue payment.
4. Live within your means, arrange income and expenses reasonably, and avoid penalty interest due to inability to repay.
How to use the money in the card just issued by the Rural Credit Cooperative
How to use the money in the card just issued by the Rural Credit Cooperative:
1. You mention Credit card and debit card are two different things. Credit card refers to a credit card that can be overdrafted. It means consumption first and repayment later. It can also be understood as a loan card.
2. The credit card you are referring to should be a debit card, which is a general savings card. The money in it can be transferred out by transfer. The prerequisite is the bank card account number and name of the other party. There are two ways:< /p>
3.ATM machine
4.Credit union counter. Can transfer money. Credit card transfers are divided into two categories, as follows: 1. Overpayment transfer, that is, excess money deposited in the credit card needs to be withdrawn.
This ends the introduction on how to use the credit card you just applied for and how to use the credit card you just applied for. I wonder if you found the information you need?