How should I activate the Bank of China credit card I just received?

Bank of China credit card activation method:

You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, personal online banking or call the Bank of China credit card customer service hotline 4006695566 for credit card activation. If you are a new customer of Bank of China and the new card is applied for through online channels, please activate the card after receiving the credit card by completing "three personal meetings" and "declaration of personal tax residency status". To complete the "Three Personal Interviews", you need to take the credit card attached to the card insertion letter and the original ID card used when applying after receiving the card to any branch of Bank of China in the province or city you selected when applying to complete the identity verification (Three Personal Interviews). The specific requirements are: Please refer to the requirements at the counter for the information you bring. To complete the "Tax Declaration", you can supplement the tax declaration through Bank of China Mobile Banking, or bring valid documents to the Bank of China counter where you apply. Please refer to the counter requirements for the specific information you need to bring.

The above content is for your reference, please refer to actual business regulations.

How to activate the credit card after receiving it

1. You can call the customer service number of the bank to which the credit card belongs to activate.

2. You can go to the official website of the bank to which the credit card belongs to activate it yourself.

There are many ways to activate a credit card after receiving it. Cardholders can activate online through the card issuer’s credit card exclusive APP, WeChat public account, online banking, customer service phone number, etc., providing the credit card, cardholder’s name, and ID card. Number, mobile phone number and other information are enough. Cardholders can also bring their valid personal identity document, credit card, and "Card Collection Confirmation Letter" to the counter of any card-issuing bank outlet to handle activation procedures. Note that if you apply for a new credit card online, you can only activate it through the branch counter, because the bank still has to go through the interview process. Computer browser: macbookpromos14 opens Google version 92.0.4515.131

If there is a balance in the credit card, the judgment or ruling will be executed. The party's credit card funds are within the scope of property that can be executed.

Frozen credit card debts only freeze the amount of the bank to which your credit card belongs. Banks do not have the right to freeze your deposits in other banks;

If the balance is overdue for more than three months or the bank demands it, If you fail to repay the loan more than twice, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, your bank will also enforce your credit card and malicious overdraft.

If you later refuse to repay and the amount you owe exceeds RMB 10,000, you will be sentenced according to Article 196 of the Criminal Law: Credit Card Crimes!

Under what circumstances will the bank freeze a bank card?

The bank card is a credit card (credit card). If it is frozen, it may be due to abnormal transactions on the credit card, such as malicious cash withdrawals and counterfeiting. If the information or password is incorrect continuously, the bank card may be frozen by the bank.

For bank cards that can be overdrafted, the bank will set an overdraft share based on the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your bank card.

The bank card is a debit card. If it is frozen, one is a wrong account freeze, which means that the bank mistakenly transfers more money to the depositor's account during the transaction, then the bank may freeze the excess. Lose.

One is judicial freezing. According to relevant provisions of the law, judicial organs can apply to banks to freeze bank cards due to the need to handle cases. At the same time, customs, tax authorities and other departments also have the right to freeze.

No matter what bank card it is, if you enter the password incorrectly three times in a row, the bank system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be automatically canceled after 24 hours. If your bank card expires and you do not apply for a new one, the bank will freeze your expired bank card after expiration.

If a bank card is reported as lost multiple times in a row, the bank will deem it malicious and freeze the card.

A credit card is a bank card that provides simple credit facilities for non-cash transactions. Banks issue credit certificates to individuals or entities based on the user's creditworthiness and financial status for the purpose of purchasing goods and paying consumption expenses. Consumers can obtain cash and make purchases at designated banks, consumption venues and other places with their card signatures, and can overdraft a certain amount of cash.

How to activate a credit card?

If it is the first time for a new customer to apply through the online self-service channel, after receiving the credit card, you need to go to the branch to activate the card. You need to bring your ID card and credit card to apply. .

You can log in to the CCB Credit Card official website or mobile banking to see how the credit card application progress is displayed. If an interview is required, it will be displayed.

How to activate a credit card

1. Activate the bank credit card by returning the card opening letter.

Carefully read the bank’s credit card opening letter and return your relevant information to the return address provided in the card opening letter to activate the credit card.

2. Activate the credit card through the bank business hall.

Card holders who successfully apply for a credit card online do not have to reply to the confirmation letter to activate the credit card. The fastest way is to bring your ID card and card to a local branch. There are branches in second-tier cities and above. In the card department, you can open a card directly. Bank credit cards applied through other channels can also choose this method to activate the credit card.

The specific steps include:

Orally submit an application for credit card activation to the bank staff - the staff will ask you to show your card and ID card - copy your ID card and submit it to China Guangfa Bank - —Card activation is complete. Wait a few minutes to receive a text message confirming activation of your credit card.

3. Activate the credit card through the bank’s credit card customer service phone number.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 57, Paragraph 2

The card-issuing bank receives repayment from the cardholder When the credit card account is overdue, the various arrears of its credit card account will be offset in the following order: if it is overdue for 1-90 days (inclusive), it will be offset in the order of interest or fees receivable first, and then the principal; if it is overdue for 91 days, it will be offset The above will be offset in the order of principal first, then interest receivable or various expenses.

How to activate a credit card?

How to activate a credit card? What are the methods for activating a credit card? The editor of IAika will introduce to you how to activate a credit card.

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card.

Activate credit card by phone

Take Bank of Communications as an example. After you receive a Bank of Communications credit card, you must activate it before you can use it. Here we first teach users how to activate by phone and set transaction passwords. .

The activation process of China Merchants Bank credit card customer service phone is as follows.

(1) Call the 24-hour customer service hotline shown on the back of the credit card, select the appropriate language, and enter the cardholder's and query password.

(2) According to the voice prompts, select the card activation option under the "Credit Card Activation and Password Management" menu.

(3) Enter the last 3 digits printed after the signature field on the back of the cardholder's credit card and press the # key to confirm.

(4) Enter the cardholder’s home phone number and press the # key to confirm.

(5) Enter the 6-digit number as the cardholder’s transaction password and press the # key to confirm.

(6) Enter the 6-digit transaction password again and press the # key to confirm.

(7) The transaction password is set successfully.

Activate credit card online

Still taking Bank of Communications as an example to tell you how to activate a credit card through the Internet.

(1) First log in to the online banking page of the Bank of Communications credit card and enter the cardholder's inquiry password.

(2) Please change your query password promptly after logging in.

(3) After your credit card initial password is successfully changed, please log in to online banking again.

(4) After logging in for the second time, please click "Credit Card Activation" and enter the last 3 digits printed on the signature line on the back of your credit card and your home phone number according to the prompts on the page.

(5) After successful activation, enter the 6-digit number as your transaction password according to the prompts.

(6) If you have not checked the "Use password to confirm transaction" function on the application form, you can change the transaction mode to password signature after the setting is completed.

Let’s stop here after receiving the introduction on how to activate a credit card.