As we all know, credit cards can only be used after they are activated. After activation, if there is no hidden danger awareness, it will bring trouble to the cardholder in the process of using the card. What should I do to activate the first credit card in order to let the cardholder use the credit card smoothly? Xiaobai needs to know
1, before credit card activation
There are many ways to activate the first credit card, such as online banking, APP, WeChat official account, customer service phone number, bank counter and so on. You can choose the activation method of the first credit card processed offline. If the first credit card is applied online, you can only go to the bank in person.
The first card online application is activated at the bank outlet, mainly because the bank needs to go through the formalities of face-to-face signing. Therefore, in this case, we must ensure the smooth face-to-face signing: bring valid personal identity documents, credit cards, letters confirming the receipt of cards, additional financial certificates, etc. And answer the questions of the bank staff correctly and smoothly, generally there will be no problems.
2. After the credit card is activated.
There is a lot of important information on the front of the credit card. If it is stolen by a malicious person, it is easy to be stolen. Therefore, after the first card of a credit card is activated, the following precautions should be taken:
1) Sign the back of the credit card in time;
2) Modify the initial password, not too simple or too regular (avoid birthdays, anniversaries, etc. );
3) Cover the credit card security code on the back;
4) Keep in mind the date of credit card bill and repayment date to avoid overdue;
5) Ensure that the credit card small secret payment function is not turned on. If enabled, it is recommended to turn it off.
Is the credit card invalid if it is not activated for 2 months? If it expires, it will be invalid?
What to do when the first credit card is activated is very important, especially the precautions after activation, which is directly related to the security level of the credit card anti-theft brush and cannot be taken lightly.
Can I scrape off the credit card security code?
It's best not to shave it off.
Cardholders can use easy-to-tear stickers to affix CVV2 code, or brush several layers of correction tape to prevent leakage. These three numbers are very important, and it is best not to scrape them off, because the existence of this code is directly linked to the authenticity of the credit card. At the same time, they should fully protect the credit card, try to ensure that the card does not leave the line of sight when spending, and do not give the card to the clerk to check out, so as to avoid the information in the card being viewed by outsiders.
Credit cards are all raised numbers. Even if some small banks print numbers, merchants can refuse to pay after scraping them off. You also need an anti-counterfeiting code to buy a plane ticket, and you also need an anti-counterfeiting code for overseas use. If you remember the security code and scrape it off, overseas merchants can refuse to pay. It is recommended to take good care of credit cards and limit the payment amount of credit cards.
Extended data:
Precautions:
1. After using your credit card, you must remember to repay it on time. Once overdue, not only will there be bad credit records, but banks will also charge overdue penalty interest.
2. When cardholders use credit cards, they should be diversified and not confined to one place. They can swipe their cards in hotels, restaurants, shopping malls and other places. If you keep spending money in one place, the bank will feel that the cardholder has no spending power and reduce the credit card limit.
3. Cards are not properly kept/handled (expired/tape-invalid credit cards are not directly destroyed, or they are not immediately invalid after being lost, and so on. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, don't easily provide personal identification information to the outside world, and it is best not to entrust others to handle credit cards.
4. After clearly knowing the optional date of the credit card in hand, choose the publicity date as the final repayment date. The last repayment date available for credit cards of various banks generally covers the 7th,15th and 25th of each month.