Can Ping An Bank's credit card be activated by itself? Any credit card issued by a bank cannot be activated by itself. You must activate it yourself to use it. If the credit card is not activated after a certain period of time, the bank will void it. But if you activate the credit card and don't use it, you need to deduct an annual fee every year. If the annual fee is deducted, it is equivalent to spending by credit card. So if you don't activate it yourself, you won't activate it automatically, and you won't need it after a certain period of time.