In addition, the validity period of credit card activation is generally three years, but each card is not necessarily the same. Look at the validity period of your credit card, which is the number on the front of the card. The order is month/year, and it has nothing to do with activation or not. Can be activated within the validity period of the credit card.
For inactive credit cards, banks have different charging standards and management regulations, but most credit cards have to be charged according to a certain period of time. Some banks stipulate that the annual fee should be charged according to the prescribed standards regardless of whether it is activated or not, and some banks stipulate that the annual fee can be exempted if the credit card consumption reaches a certain number of times.
Because every credit card has a production cost, a credit card account has been generated since the successful application of consumers. Banks have to pay the cost of data processing and information maintenance, so they have to charge an annual credit card fee. Even if the card is not activated, there will still be expenses, which will be recorded in the cardholder's account in the form of arrears.
Extended data:
Credit card application
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
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