How to activate a credit card?
The method of activating a new credit card is as follows:
1. Activate at the bank branch counter: Bring your ID card and credit card to the bank counter for activation That’s it.
2. Customer service phone activation:
(1). Call the 24-hour customer service hotline shown on the back of the credit card and enter the cardholder’s ++ and query password;
(2). Follow the voice prompts and select credit card activation.
3. Online activation:
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(1). First log in to the credit card issuing bank Enter the cardholder's ++ and _ inquiry password on the online banking page;
(2). Find the "Credit Card Activation" page, enter the reserved phone number and other verification information according to the prompts on the page, and you can activate it if the identity verification is passed. credit card.
1. Credit card opening
Since the credit card application is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.
After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.
2. Credit card identification
The credit card must have at least the following information:
Front: name and logo of the issuing bank, credit card number (organization logo) and hologram Anti-counterfeiting mark, ++, English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are relatively independent. account.
Back: Card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, ++ last four digits or all ++ (to prevent fraudulent use), credit card security code ( On the signature line on the back of the credit card, the three digits immediately following the last four digits of ++ are used for credit card activation, password management, TV, telephone and online transactions, etc.).
Credit Card Activation Process
To activate a credit card, you can bring valid documents to the branch of the bank where the card is issued for activation, or you can directly call the 24-hour customer service on the north side of the credit card, and then transfer to manual Hotline, follow customer service requirements to activate your credit card. The simplest thing is to download the relevant APP and log in, and then activate the credit card on your mobile phone.
Introduction to credit card
A credit card is a card with the name of the issuing bank, validity period, number, cardholder name and other information printed on the front, and a magnetic strip and signature strip on the back. The difference with debit cards is that credit cards can be overdrafted up to a certain limit.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date. It can be divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit before repaying; a quasi-credit card means that the cardholder deposits a certain amount of reserve fund as required, which is used as a reserve fund account. A quasi-credit card that can be overdrafted within the specified credit limit when the balance is insufficient to pay.
How to activate a credit card?
How to activate a credit card? What are the methods for activating a credit card? The editor of IAika will introduce to you how to activate a credit card.
Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.
Activate credit card by phone
Take Bank of Communications as an example. After you receive a Bank of Communications credit card, you must activate it before you can use it. Here we first teach users how to activate by phone and set transaction passwords. .
The activation process of China Merchants Bank credit card customer service phone is as follows.
(1) Call the 24-hour customer service hotline shown on the back of the credit card, select the appropriate language, and enter the cardholder's ++ and query password.
(2) According to the voice prompts, select the card activation option under the "Credit Card Activation and Password Management" menu.
(3) Enter the last 3 digits printed after the signature field on the back of the cardholder's credit card and press the # key to confirm.
(4) Enter the cardholder’s home phone number and press the # key to confirm.
(5) Enter the 6-digit number as the cardholder’s transaction password and press the # key to confirm.
(6) Enter the 6-digit transaction password again and press the # key to confirm.
(7) The transaction password is set successfully.
Activate credit card online
Still taking Bank of Communications as an example to tell you how to activate a credit card through the Internet.
(1) First log in to the online banking page of the Bank of Communications credit card and enter the cardholder’s ++ and _ inquiry password.
(2) Please change your query password promptly after logging in.
(3) After your credit card initial password is successfully changed, please log in to online banking again.
(4) After logging in for the second time, please click "Credit Card Activation" and enter the last 3 digits printed on the signature line on the back of your credit card and your home phone number according to the prompts on the page.
(5) After successful activation, enter the 6-digit number as your transaction password according to the prompts.
(6) If you have not checked the "Use password to confirm transaction" function on the application form, you can change the transaction mode to password + signature after the setting is completed.
How to activate a credit card
1. Activate the bank credit card by returning the card opening letter.
Carefully read the bank’s credit card opening letter and return your relevant information to the return address provided in the card opening letter to activate the credit card.
2. Activate the credit card through the bank business hall.
Card holders who successfully apply for a credit card online do not have to reply to the confirmation letter to activate the credit card. The fastest way is to bring your ID card and card to a local branch. There are branches in second-tier cities and above. In the card department, you can open a card directly. Bank credit cards applied through other channels can also choose this method to activate the credit card.
The specific steps include:
Orally submit an application for credit card activation to the bank staff - the staff will ask you to show your card and ID card - copy your ID card and submit it to China Guangfa Bank - —Card activation is complete. Wait a few minutes to receive a text message confirming activation of your credit card.
3. Activate the credit card through the bank’s credit card customer service phone number.
Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"
Article 57, Paragraph 2
The card-issuing bank receives repayment from the cardholder When the credit card account is overdue, the various arrears of its credit card account will be offset in the following order: if it is overdue for 1-90 days (inclusive), it will be offset in the order of interest or fees receivable first, and then the principal; if it is overdue for 91 days, it will be offset The above will be offset in the order of principal first, then interest receivable or various expenses.
That’s it for the introduction on how to activate Wenzhou 51 credit card.