Credit cards need to be activated before they can be used. Before activation, the credit card cannot be used for consumption, cash withdrawal and other operations. Under normal circumstances, after applying for a credit card, you can adopt several methods such as bank outlet activation, online activation and mobile banking activation.
Most credit cards do not charge an annual fee before activation, but some high-end credit cards will also charge an annual fee if they are not activated. The annual fee is included in the current bill, and the overdue will affect the personal credit record.
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Credit card activation method
First, the credit card customer service phone activation:
1. Call the 24-hour customer service hotline displayed on the back of the credit card and enter the cardholder's card number and inquiry password;
2. According to the voice prompt, select credit card activation to activate successfully.
Second, the credit card online activation credit card:
1. First log in to the online banking page of the credit card of the issuing bank and enter the card number and password of the cardholder;
2. Find the "Credit Card Activation" page, and enter the reserved phone number and other verification information according to the page prompts. If the authentication passes, the credit card can be successfully activated.
3. Activate the credit card at the bank outlet counter:
Bank outlets can directly activate credit cards according to the instructions of the counter staff.
Precautions for credit cards
1, don't overdue repayment when using a credit card.
Failure to repay on time is the most taboo thing to use credit cards.
These credit stains have a great influence on mortgage to buy a house's car purchase. From the perspective of risk control, banks are reluctant to lend money to people with credit stains, and they will think that such users will be at risk of overdue or bad debts.
2. Have good repayment habits.
After getting the credit card, you must control your consumption desire. Don't swipe your card willfully. If it can't be repaid by the repayment date, choose installment. In fact, staging will generate high interest, and the vicious circle will lead to more and more debts.
3. Don't blindly handle advanced cards.
For example, the annual fee of some ordinary platinum cards has reached several thousand, so you have to know it carefully before you can handle it, because if you forget to pay back the high annual fee, it will also cause credit stains.
4. Protect personal information from being stolen.
Be sure to pay attention to this problem and protect your personal information.
Once you find that your credit card has been stolen, the first thing to do is to call customer service and tell the bank that it is not my consumption, so that the bank can suspend the credit card. The customer service will let you swipe your card at a nearby ATM and get a receipt.
The second is to call the police to prove where you are, and then take this evidence to the bank's credit card department and other banks for investigation.