Can I activate the credit card if I have not received it?

In this case, it cannot be activated. You need to go to the counter to activate after receiving the card, or you have already applied for a credit card from this bank before. , you can directly activate by phone, but you need to use the information behind the credit card. The credit card was approved and it was ready to be shipped within a week.

The difference between a savings card and a credit card:

1. Different roles and functions:

(1) Savings card: The main function is to save deposits, and the cardholder Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, functions such as card consumption, ATM cash withdrawals, transfers, and various types of payment can be realized. Expenses paid through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero.

(2) Credit card: Credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Application methods are different:

(1) Debit card: With your valid ID, go to any bank branch to apply. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.

(2) Credit card: The application method is generally by filling in a credit card application form and submitting certain copies of documents and certificates to the card issuing bank. After receiving the application form and relevant materials from the applicant, the card-issuing bank will review the applicant's creditworthiness. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank.

3. Different categories:

(1) Debit cards are divided into two types: magnetic stripe and chip.

(2) Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

4. Different conditions of use:

(1) Savings cards require deposits before consumption can be made.

(2) Credit card can be used for overdraft consumption without deposit, and can enjoy an interest-free period of 20-56 days. If you repay on time, you will not be charged any interest (most banks will charge 50,000 cents on the day of cash withdrawal). Interest, and a handling fee of 2)

How to activate a credit card

The credit card needs to be activated because the credit card sent by email is in an inactive state and cannot be used. If you want to use it, you need to You have to activate it yourself.

The credit card is mailed to the cardholder by registered mail, but the password is not set immediately on the way or after receiving the credit card. Therefore, the card just recorded is in an inactive state and cannot be used. , if you want to use it, you must activate it yourself. The activation conditions are of course the information filled in. Only the applicant knows what is filled in. This is also to ensure the safety of customer funds. If it is not handed over to the applicant, the card will not be automatically activated and no annual fee will be charged.

1. To activate a credit card, you need to provide personal identity information. You can activate the credit card in the following three ways:

1. Open a card through online banking. If you have an online banking shield, you can set it up together. Transaction withdrawal password;

(Browser computer: macbookpromos14 opens Google version 92.0.4515.131)

2. Set up a password at the branch financial management counter, and your ID card is required when handling and credit card;

3. Self-service card opening via phone voice. Of course, you will need to enter some personal information before activation to ensure that it is the cardholder himself. If the information is entered incorrectly, it will be transferred to manual card opening.

2. Credit card annual fee rules

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, Faced with the various annual fee rules for credit cards issued by different banks, most people have little understanding of them. The annual fee for credit cards is mostly around one hundred yuan. Some banks stipulate that the annual fee can be waived if you swipe the card three times a year.

The annual fee policy of most banks has not changed. Generally, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is generally 200 yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.

The annual fee standards for each bank’s credit card will vary depending on the card. For example, the annual fee for the Shanghai Pudong Development Bank standard credit card is 180 yuan for the main card and 90 yuan for the additional card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the additional card; and the annual fee for the Shanghai Pudong Development Bank co-branded card is 360 yuan; as for the Pudong McDull series The credit card also displays the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.

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 to activate a credit card for the first time

When you apply for a card for the first time, it does not mean that you can use the card after you get it, but it must be activated before you can use it. The activation methods and requirements of each bank are different. Some require that when applying for a credit card for the first time, you must go to the bank to activate it, while others do not. Below, I will introduce to you several methods of credit activation.

1. How to activate a credit card for the first time

1. Official website activation:

Card holders can log in to the official website of the issuing bank of your credit card. After logging in, find Activate according to the prompts on the corresponding activation page. It should be noted that to activate the card online, you need to use the mobile phone number you reserved in the bank to receive a dynamic verification code.

2. Customer service hotline:

You can call the customer service hotline of the credit card issuing bank or the national customer service hotline, follow the self-service voice prompts, or transfer to manual service and ask customer service to help activate.

3. Bank activation:

Card holders can also bring their credit card and ID card to a nearby bank business hall and let the staff activate the card for you.

2. What to do if credit card activation fails

There are many reasons for credit card activation failure. Only by finding the cause of failure can activation be successful. If you really don’t know why it failed, I suggest you go directly to Bank activation.

I would like to remind everyone that when activating a credit card, it is best to use the phone number reserved for your first card application to call the credit card service hotline, so as to activate your credit card well.

This ends the introduction on how to activate a credit card without getting it and how to activate it without getting a credit card. I wonder if you found the information you need?