In order to ensure the security of the card, the credit card (credit card) applied for by the cardholder is generally inactive, and must be manually activated if you want to use it. When it comes to credit card (debit card) activation, we have to mention the activation time. You must know that credit card (debit card) activation also has a time limit, and it cannot be activated after the validity period. In addition to the time limit for activation, there are other considerations for credit card (debit card) activation. Let’s learn about it together.

Is there a time limit for credit card (debit card) activation?

The activation time of a credit card (debit card) is generally within the validity period of the card, which is currently between 3 and 5 years. That is to say, as long as your credit card (debit card) has not expired, you can activate it at any time. If it has not been activated after the expiration date, the card will be automatically canceled and you must apply for a new card.

However, there are some special circumstances. If you have not activated the card 3 months after applying for the card, the bank customer service will call to inquire about the reason. If you make it clear that you have no need to use the card and do not want to activate the card, the bank will Your credit card (debit card) will be canceled directly, so it is recommended that you activate it within 3 months after the card is approved.

In short, if you need a card, activate the card as soon as possible.

By the way, here are the credit card (debit card) activation methods

There are many ways to activate a credit card (debit card), and the simplest is activation by phone. If you want to activate a credit card (debit card), you can use your mobile phone to dial the phone number on the credit card (debit card). After the call is answered, you can follow the voice reminder to select the credit card (debit card) activation, and then follow the reminder. Credit card (debit card) can be successfully activated.

It should be noted that when applying for a credit card (credit card) online, especially for the first time, after getting the credit card (credit card), you must go to the counter branch for an interview to activate the credit card (credit card).

How long does it take for a credit card (debit card) to be used after activation?

Generally, after activating a credit card (credit card) and setting a password, you can immediately use the credit card (credit card) to make purchases or withdraw cash. It can be said that you can use it immediately after the activation is successful, without waiting at all. . However, there are some things you should pay attention to when using the card:

1. Four dates should be remembered: including transaction date, accounting date, billing date, and due payment date.

2. Sign on the back of the card: Signing on the back of a credit card (credit card) can be regarded as a guarantee of consumer safety. If there is a signature on the back of the credit card (debit card), but the store runs settlement without verifying the signature, the risk of fraud will be borne by the store. If a credit card without a signature is stolen, the responsibility lies with the cardholder himself.

3. Protect the security code: There is a three-digit security code on the back of the credit card (credit card). It, the credit card (credit card) card number and the expiration date are all credit cards (credit cards). As an important credential for online transactions, it is recommended to stick your security code on it and keep the card with you as much as possible to prevent the leakage of credit card (debit card) information.