Can the credit card be activated and used by someone other than myself?

Yes. You don’t have to go to the bank to activate your credit card, but if you go to the bank to activate it, you must go in person. Activation method: Telephone activation: Dial the bank customer service number, and when connected, press "1. Chinese Service", press "6. Bank Card Service", press "1. Card Application and Card Activation", press "1. Card Activation" , press "1. Open card with ID card", enter the bank card to be activated, enter the ID number, enter the credit card validity period, set or enter the password according to the voice prompts, the system prompts that the credit card activation is successful.

After using a credit card, it is best to repay it on time and try to avoid overdue payments, because high interest fees will be incurred and personal credit will be affected. There is really no way to deal with it as soon as possible even if it is overdue. So how do you deal with overdue credit cards?

1. Avoid debt collection without losing contact

After the credit card is overdue, the bank will send text messages and phone calls to collect debt. It is best for cardholders not to resist, and the bank will call them as soon as possible. Answer the call. Do not think that you can not answer the phone because you have overdue money, or you have to change the number so that the bank cannot be contacted. If you do this, the bank will only think that the cardholder is maliciously avoiding debts and will call the cardholder's contact person.

2. Sort out the amount of overdue debt

Penalty interest and liquidated damages will be incurred after the credit card is overdue. The cardholder must add the principal owed and calculate the interest generated The actual amount owed depends on your income and debt situation and how you want to repay it. If the cardholder is overdue for no more than 3 months, the cardholder should repay the money as soon as possible if he can easily pay it back by himself, instead of borrowing money from family members, relatives and friends to repay the card. The interest accrued for being overdue for more than 3 months is very high, and there is really no way to pay it off at once. Take the initiative to contact the bank to see if you can negotiate the repayment, and reduce the interest or repay it in installments to prevent the interest from rising.

3. Don’t cancel the card after paying off the debt

No matter whether you can still use the card after paying off the credit card overdue, don’t cancel the card easily. The consequences of doing so will be Overdue records are fixed and there will be no new records in the future to cover the bad records. No more credit records can be processed until the overdue records are eliminated. If you want your credit card to be still usable after it is overdue, you should spend more money with the card, repay on time, and develop a good credit record. If you can't use the card, you should always pay attention to the credit card charges. If the annual fee is deducted, you should pay it back promptly and don't overdue it again.

So, when using a credit card, you should do what you can. No matter how big your credit card limit is, you should pay it back in time. If you have the ability to spend money, you must have the ability to pay it back. If you don’t have the ability to pay back the money, If you have the ability, then don’t spend money casually. You should consume reasonably and control your consumption desires.

Can I use someone else’s credit card?

According to the regulations, it is not allowed. The credit card must be used by myself. But there is no problem if you want to lend it to others, but remember that you are responsible for repaying the money they use. The bank will not go to him because the money was spent by your family.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

Can I handle credit card business if I don’t use my own credit card?

No one other than myself can handle credit card business. When applying for credit card-related business in accordance with the bank's regulations, the applicant needs to have a good credit report, comply with the bank's regulations, and sign in person before the application can be processed. If the applicant does not appear in person, the application will generally not be approved. If the handler has special circumstances and needs to find someone to handle the matter, he or she must issue a notarized power of attorney to entrust someone else to handle the matter. Of course, this also needs to be reviewed and decided by the bank. It does not mean that you can pass the application just by having someone handle it on your behalf. Therefore, if you want to handle credit card business, it is better to handle it yourself.

Can’t the credit card be used by myself?

Credit card activation must be done by myself.

The credit card processing channels are different, and the credit card activation methods are also different.

If the cardholder applies for a credit card online, the cardholder must bring his or her ID card to a bank branch to activate it.

If the cardholder applies for a credit card at a bank branch, he or she can activate it by calling the number on the back of the credit card. You can also activate it if you are not the person, but you must use the mobile phone number reserved when applying for the credit card and enter The credit code, ID number, and the last three digits of the verification number next to the signature field on the back of the credit card can be activated as long as they are entered correctly.

Extended information:

What are the ways to activate a credit card?

1. Call the customer service hotline of the bank credit card to activate the credit card

Hold the card People can call the credit card customer service hotline of the bank where they apply for credit cards to apply for credit card activation. Credit card activation is very simple.

2. Go to the bank counter to activate the credit card

Cardholders can take their credit card and ID card to the counter of the bank's online store and let bank staff help activate the credit card.

3. An interview is required when applying for a credit card online. After all, the bank does not know the applicant’s specific identity when applying for a credit card online. If the applicant steals other people’s information, it will be more troublesome in the future, so the application People must go to a bank branch for an interview.

There are two methods of interview, which are:

1. After passing the preliminary review, the bank will notify the applicant to go for an interview. After passing the interview, the bank will conduct the final review;

2. The bank directly issues the card to the applicant. After getting the card, the applicant needs to go to the bank branch for an interview and open the card.