However, it should be noted that it is not excluded that some special cards will be charged an annual fee if they are not activated. I suggest you call the customer service telephone number of CITIC Bank at 95558 for consultation.
I. Credit card activation
1. Deactivation: This activation method is simple. Generally, you need to bring a valid ID card and credit card to the issuing bank's business outlets. Some banks stipulate that you can only apply for a credit card online in this way. Generally, you will be informed of the relevant documents you need to bring by SMS.
2. Online activation: There are many ways to activate credit cards online. You can pay attention to the activation of the official WeChat account of the issuing bank, or you can activate it in the credit card official website of the issuing bank.
3. Telephone activation: Generally, you need to dial the 24-hour service hotline on the back of the credit card, and then open the card by yourself according to the voice prompt. If not, you can transfer to manual service, and ask customer service to help open the card.
Second, the use of credit cards.
1, Credit card consumption: Credit card can be used as a payment tool and can be directly consumed through the credit card POS machine installed by the merchant.
2. Online payment: Online payment by credit card is very simple. For example, if you want to shop in Taobao, click the payment method, select a credit card, and enter the credit card number, three-digit security code and SMS verification code to pay.
3. Repayment: If you use a credit card to overdraw your consumption, you must repay it on time, otherwise it will affect your credit history. There are many ways to repay by credit card. You can repay through mobile banking or a third-party payment platform (such as Alipay).
Third, credit card classification.
Credit cards are mainly divided into the following categories:
(1) According to credit card issuers, it can be divided into bank cards and non-bank cards;
(2) According to the storage medium of credit card information, it can be divided into magnetic stripe card and chip card;
(3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card;
(4) According to different settlement currencies of credit cards, they can be divided into foreign currency cards and local currency cards;
(5) According to the different circulation scope, it can be divided into international cards and regional cards;
(6) According to the number of credit card accounts, it can be divided into single-currency credit cards and dual-currency credit cards;
(7) According to the affiliation of credit cards, they can be divided into main cards and subsidiary cards;
(8) According to different credit card issuers, it can be divided into corporate cards and personal cards;
(9) According to the credit status and credit status of cardholders, it can be divided into unlimited cards, platinum cards, gold cards and ordinary cards.
(10) According to the different shapes of credit cards, they can be divided into standard credit cards and irregular credit cards.