How to open a credit card

Opening a credit card means activating the credit card. Methods include: (1) Activating the credit card through the bank counter: After the bank mails the credit card, the user will usually be required to go to the bank counter for activation. The user only needs to bring the ID card and credit card to the bank to handle the activation procedure.

(2) Activation through credit card binding APP: All major banks have launched corresponding APPs for their own credit cards, such as China Merchants Credit Card’s “Pocket Life” and ICBC Credit Card’s “ICBC e-Life” . Download the relevant APP (the name of the APP will be stated in the credit card mail envelope), and after logging in, select the option to activate the credit card to activate it.

(3) Activating the credit card by phone: The cardholder calls the customer service number of the credit card center of the card-issuing bank, and according to the voice prompts on the phone, enter the relevant information to complete the activation of the credit card.

How to activate and use a credit card

After users apply for a credit card, they can activate it through a variety of ways. Common activation methods include telephone banking, bank counter, SMS activation, online activation, etc. Users can choose the one that suits them best according to their own habits. They need to set a query password and transaction password when opening.

Bank counter activation: The user brings his or her valid ID card to any branch of the card-issuing bank for activation. You may need to fill out a business application form before activation.

Telephone activation: Users directly call the official customer service hotline of the card-issuing bank, and then follow the voice prompts to activate the credit card. You can also directly choose manual service activation.

Activation of Online Banking: Users log in to the official credit card website of the card-issuing bank, select credit card services on the homepage, and then follow the prompts to activate.

When activating by phone, users can call the customer service number on the back of the credit card and call the manual directly, and then the customer service will help you activate it. Activating through the bank counter is more troublesome, and users need to do it during bank working hours. If you don't know the specific steps, you can consult the bank lobby service staff.

In fact, when the bank mails the credit card to the user, the different activation methods are already explained in the envelope, and they are all very detailed. The user only needs to follow the steps. After a credit card is opened, users can learn some of its basic information, such as billing date, repayment date, annual fee, cash withdrawal fees, etc. These are of great help to our daily use of credit cards.

The credit card can be used after it is opened. During the use process, the user must swipe the card step by step and cannot swipe it all at once, especially for newly opened credit cards. This will make the system think that the user is cashing out. This kind of If the situation occurs frequently, the limit of the credit card will be reduced or the card will be blocked. This is something that everyone needs to pay attention to.

Users should try to diversify their consumption when using new cards, and the limit can be increased slowly. If the credit card limit is used more, this will be of great help in increasing the fixed limit of the credit card in the future. If the quota is not enough, the temporary quota can generally be increased after 3 months, and the user needs to pay it off in one go after use.

After using a credit card for consumption, be sure to repay it on time and never be overdue. If the overdue record is uploaded to the credit reporting center, the personal credit report will become bad, and the user will have trouble applying for a loan from the bank in the future. More difficult.

How to open a credit card

There are three ways:

1. Call customer service to activate it.

2. Open online banking.

3. Local outlet counters are open.

If you are applying for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), work You can try to apply for certificates and proof of income. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The verification of the credit card is subject to the final review result. shall prevail.

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. The notification will ask you to go to the branch to sign and confirm the application or issue you a card directly. You can go to the counter to sign and activate the card. The details will be subject to notification from our bank after passing the preliminary review.

If you have already obtained the card and want to activate it, there are four common channels for self-service activation with the card:

1. Log in to the credit card website and click "Open Card (New Card Activation)" on the right ” and follow the prompts.

2. Select Selected - All - Card Management - One-click Card Opening on the Palm Life APP. You can also open a card by entering information according to the prompts.

3. Follow "China Merchants Bank Credit Card" on WeChat, click on the card opening progress and follow the prompts.

4. Dial 4008205555-4# to open the card - just follow the prompts.

Warm reminder: Please sign on the back of the card and keep it consistent with the signature on the application form.

If the card has been issued and you receive a text message asking you to go to any CMB counter for face-to-face signature, you need to apply for face-to-face activation at the counter. Please bring the face-to-face text message, original ID card and credit card to any CMB bank counter in person.

Requirements for applying for a credit card:

First: Proof of income. Applicants are required to fill in the name of their unit, as well as their monthly salary and position. This needs to be filled out truly, because the bank will confirm whether the applicant has sufficient repayment ability based on income.

Second: Credit report. The personal credit report must be good. If there has been an overdue loan or unpaid debt, then the application will be more difficult to pass. Credit reference is also a bank's measure of whether the applicant's credit is good, which will largely determine the success rate of the application.

Third: Proof of identity. Applicants are required to be adults over 18 years old and provide true and valid documents. Such as: ID card, passport, military ID card, etc.

The bank will verify and evaluate the applicant based on the above three conditions, and because everyone’s situation is different, the credit card limit applied for is also different. If the overall conditions are better, then the credit card The amount will be higher.

This ends the introduction on how to open a credit card and how to open a bank credit card. Have you found the information you need?