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.
I just got a credit card, how do I activate the new card?
Hello, credit card activation process:
1. Credit card activation process by phone:
Call the credit card’s 24-hour customer service hotline and follow the prompts.
After selecting the Chinese service in the voice, select the credit card, enter the credit card, the validity period of the credit card and the three-digit security verification code on the back of the card. Select credit card activation and password settings, and then press the # key to end.
2. Credit card online banking card opening process:
Log in to the bank's official website, click on the homepage of the Credit Card Center, click on the card opening on the right and set a password.
Verify the credit card application reservation information, such as home phone number, ID number, etc.
Three: Credit card bank counter opening process:
Bring your ID card and credit card, fill in the special business application form, and let the staff handle the activation of the credit card.
If you have other specific questions, it is recommended that you call the bank’s customer service staff and hope they can help you.
CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.
A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.[1-2].
On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of a credit card is CreditCard
Credit cards are generally 85.60 mm long, 53.98 mm wide, and 1 mm thick. The special carrier plastic card has the name of the card issuer, validity period, number, cardholder name and other contents printed on the front, and has a chip, magnetic stripe and signature strip on the back. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).
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 It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Credit card
How to activate a credit card for the first time
Applying for a card for the first time does not mean that you can use the card after you get it, but it must be activated. can only be used. 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.
How to activate a credit card when you get it for the first time
After you get a credit card, you must activate it before you can use it. Many cardholders who apply for a card for the first time don’t know much about this activation method, so they don’t know how to activate it. Know what to do. In fact, there are many ways to activate the card, but if you apply online, the activation method may be different. Let’s learn about it together.
Generally, there are many ways to activate a credit card, including but not limited to SMS activation, online activation, customer service phone activation, outlet activation, and WeChat activation.
The most common and convenient activation method is phone activation. You only need to use your reserved mobile phone to call the 24-hour customer service hotline starting with 400 on the back of the credit card, and follow the voice prompts to activate the credit card.
Tip: If you apply for a credit card online, you must go to a bank branch to activate the card; if you have used other methods before, you can choose one of three activation methods.
Here is an introduction to how to activate a credit card when applying online
Take the Minsheng Bank credit card as an example. After successfully applying for a credit card online and getting the card, the bank will require the cardholder to Going to any Minsheng Bank branch to activate your credit card is actually equivalent to going to the bank for a secondary review to confirm that the claimant is the person you are.
The activation process is as follows:
1. You need to go to the counter of the Minsheng Bank branch where the applicant is located to apply for activation, and bring your ID card and credit card letter;
2. After going to the bank, make copies of your ID card (front and back) and credit card (front and back).
Then fill in the application guarantee and signature date on the back of the credit card letter in advance;
3. The counter staff will ask for the originals and copies of your ID card and credit card. Then the password will be entered twice (six digits) and then the credit card information will be printed for the customer to check and confirm the signature;
4. At this point, the identity confirmation and activation are completed. You can ask the staff on the spot about your credit card overdraft. Amount and repayment date.
I would like to remind everyone that there is generally no time limit for credit card activation, as long as you activate it within the validity period of the card. The credit card itself has a validity period of 3 or 5 years. If the credit card is not activated after the validity period, your credit card will be invalid.
That’s it for the introduction to the first activation of a credit card.