How to activate Bank of Communications credit card
1. Activate WeChat. Follow the "Bank of Communications Credit Card | Pay Bill" official account, click "Card Application·Borrowing" - "Activation/Card Application Progress" after entering, then click "Click here" in blue font in the first line of the system reply message, and then enter + +, ID number and other information to activate the credit card.
2. Phone activation. Call Bank of Communications Credit Card 400-800-9888, and then transfer to manual service to apply for credit card activation;
3. Activation at the counter. Bring your credit card and ID card to a Bank of Communications branch and apply for credit card activation at the counter;
4. Mobile banking activation. Open the Bank of Communications Mobile Banking APP and click "All" - "Card Activation" on the homepage.
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The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.
In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.
In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.
In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.
How to swipe the Bank of Communications credit card without a chip
If the credit card does not have a chip, it means that the credit card is a magnetic stripe card. The magnetic stripe card is the same as the chip card. You can just insert the card and swipe it normally. Users need to be careful not to use their credit cards for illegal operations such as cashing out when swiping their cards. Once any illegal operations occur, it will affect the user's normal use of the credit card.
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Don’t you need to change the Bank of Communications credit card to a chip card?
Bank of Communications Credit Card The chip card needs to be replaced and the customer does not have to ++.
Traditional bank magnetic stripe debit cards currently have a large number of customers. However, magnetic stripe cards are limited to traditional bank card financial service functions such as fund deposits and withdrawals, transfers, and consumption. In the current various consumption environments, especially in emerging third-party applications, customers often need to purchase multiple cards per person, which is not convenient and also creates certain risks.
Chip IC cards can solve the above problems.
However, in the past, replacement required customers to open a new card and change the original debit card++, which had a certain impact on customers' bank card use and fund collection and payment. Bank of Communications invested a lot of human, financial and intellectual resources to successfully develop the function of replacing IC cards with magnetic stripe cards.
Extended information:
Bank of Communications Pacific Debit Card customers can enjoy the "triple convenience" of the upgraded IC debit card without changing ++:
Firstly, customers do not need to replace the contract agreement after changing their cards;
Secondly, the card functions are more complete and can be extended to other industries such as public transportation, social security, medical insurance, provident fund, as well as access control and identity recognition. third-party applications;
Third, the use of funds is safer, reducing the financial risk of customers using card transactions.
People's Daily Online - Bank of Communications debit card can be upgraded from a magnetic stripe card to a chip card without changing the number
Does it mean that the Bank of Communications credit card cannot withdraw cash if it does not have a chip?
No!
This has nothing to do with chips or magnetic strips. There is a cash withdrawal limit, as long as the limit is not reached on the day!
Does Bank of Communications credit card need to be replaced with a chip card?
Needs to be replaced?
1. In order to further improve the security of card use and effectively prevent the risk of counterfeit cards, in May 2015 Starting from March 30, Bank of Communications will upgrade UnionPay magnetic stripe credit cards in batches and replace them with UnionPay chip cards.
2. After your UnionPay magnetic stripe credit card (++ starts with 62) expires, Bank of Communications will renew your UnionPay chip credit card for free.
3. If you apply for a replacement (report the loss) of your UnionPay magnetic stripe credit card after May 30, or apply for a new card due to damage to the card, our bank will also arrange for you to replace it with a UnionPay chip credit card. The relevant fees will be Remains unchanged from the original magnetic stripe credit card.
4. After the original magnetic stripe credit card is replaced with a chip card, you can still enjoy the same functions and rights of the original magnetic stripe credit card. It will also have contactless payment and electronic cash functions, which can be used for Provide you with a more convenient and faster payment experience.
Why doesn’t my Bank of Communications Youth Visa card have a chip on it? Can this card be used to withdraw cash from ATM machines?
Double-label cards do not have chips. The bin numbers of card issuing organizations are different. If you want to have a chip, you can only apply for a single-label card: only UnionPay or only Visa cards
Bocom Let’s stop here to talk about whether credit cards have chips.