Can a credit card be activated on a mobile phone?

After a lot of effort, I finally got a credit card. I couldn’t express my excitement after getting the card, but don’t forget it. You must activate the card before you can make purchases with the card. So, how can you activate a credit card quickly? Here is a guide to activating a credit card via mobile phone. It’s so easy to open a card!

As we all know, credit cards are delivered to applicants by registered mail. In order to ensure the safety of cardholders, banks require that credit cards must be activated before they can make purchases. When activating, you need to hold The cardholder provides personal information, such as birthday, ID number, etc. for verification.

So, how to activate a credit card using your mobile phone?

1. Telephone activation: Use the mobile phone reserved when applying for the card to call the 24-hour service hotline on the back of the credit card, and follow the self-service voice prompts to activate the card. Generally, you need to enter your ID card for verification. If the verification is successful, you need to set up

Wait, the credit card can be used after activating it.

2. WeChat activation: Open WeChat on your mobile phone, follow the bank's credit card WeChat official account, enter the official account, click "Open Card·Activate", follow the prompts, activate the credit card and bind the card to the official account , you can also check bills, handle installments and other services.

3. Online activation: Open the official credit card website on your mobile phone, find the credit card activation option, enter the credit card and follow the prompts. After activating the credit card, you must also set the query password and

Of course , if you get the credit card and don’t want to use it, you don’t have to activate it. However, inactivating a credit card will also have some impacts, such as annual fees, credit reporting, etc., which are introduced below.

1. Will there be an annual fee if the credit card is not activated?

Most banks stipulate that ordinary credit cards such as ordinary cards and gold cards will not incur annual fees if they are not activated. However, if it is some high-end credit cards, such as platinum cards and above, as long as the card is approved There will be an annual fee, which is the same whether you activate it or not.

So everyone has to look at what level of credit card they have, and then decide whether to activate it or not. If you decide to activate, it is faster to activate using your mobile phone.

2. Will not activating a credit card affect your credit report?

As long as you have applied for a credit card, it will be recorded on your personal credit report. If you do not activate the card and use it after applying for the card, it will be a deducted item in the bank's comprehensive evaluation when you apply for the card again. In short Failure to open or cancel the card will affect re-applying for the card. In addition, some banks stipulate that you cannot apply for the same type of card again, or the threshold for re-applying for their card will be raised.

How to activate credit card in Bank of China mobile banking

Operation path to activate credit card: Mobile Banking-Credit Card-Credit Card Activation Mobile Banking-Home Page "More"-Credit Card Activation Online Banking-Credit Card-Credit Card Application/Activation - Credit Card Activation Log in to online banking and go to the Credit Card - Credit Card Application/Activation - Credit Card Activation page. The page will return a list of credit cards to be activated under your name, including digital credit cards and physical cards; you can also log in to mobile banking and go to "Home Page - "Credit Card - Card Activation" function, select the credit card that needs to be activated, enter the corresponding information according to the page prompts, and complete the activation. 1. If you choose a physical card for activation, you need to enter CVV2 (the last three digits on the back of the card) on the page; if you choose a digital credit card, you need to fill in the middle 8 according to the text message sent to you when applying for a digital credit card; 2. Select your authentication tool at the bottom of the page and click Next. The page displays the credit card information that needs to be activated (). After being authenticated by the security authentication tool (BOC eLing mobile transaction code), click Confirm. The page shows that the credit card activation submission was successful. 3. During the activation process, if you have not set a query password, you will be prompted to set it before you enter CVV2 (physical card) or after completing it (digital credit card). At the same time, after the activation is completed, you can also choose whether to set a transaction password. 4. If you only hold the mobile transaction code, you cannot complete the online activation. Please go to the counter or call the credit card customer service 4006695566.

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

How to activate a credit card on a mobile phone

How to activate a credit card on a mobile phone. One is to use mobile banking to activate; the other is to call the bank's customer service number to activate. (Huawei Honor V10 has sufficient call charges for the entire network)

If you use mobile banking to activate, the user needs to activate the mobile banking function, download the bank's APP on the mobile phone, log in to the account, and activate it in the credit card service . If the customer service phone is used to activate, the user can directly call the customer service hotline on the back of the credit card. After being connected, follow the relevant prompts and enter the credit card service to activate.

Users can also activate credit cards through the following methods: (corresponding to the bank store of the credit card)

1. Bank counter activation. After receiving the credit card, the user can bring his or her ID card and bank card to a nearby bank branch to activate it.

2. Online banking activation. If the user has already activated the online banking function, it can also be activated in this way, which is very convenient and fast. (For Huawei Honor V10 Full Netcom, download the bank APP corresponding to the credit card in the application mall)

Precautions for using credit cards

1. Cover the security code in a timely manner: Applicants should immediately after getting the card Sign the card and hide the security code used for payment;

2. Set a password: If you want to ensure that the credit card is not stolen, the password is very important. After setting the password, the user must pay attention to avoid leaking it;

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3. Remember the key dates: When using a credit card, always remember the key periods of the credit card, such as the repayment date;

4. Repay on time: if you want to maintain a good Credit reporting and on-time repayment are a very necessary part. If you fail to repay on time, bad records will be retained in the credit reporting system for 5 years.

Origins of credit card products

Earliest Credit cards appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.

That’s it for the introduction of how to activate a credit card on a mobile phone.