Will it be rejected to activate the credit card at the counter? What is the activation process?

general credit card activation will not be refused.

Activation process:

1. To activate through the bank counter where the credit card is located, I need to come forward and my original ID card and credit card;

2. Call the credit card service phone on the phone card to activate;

3. Log in to credit card online banking and activate online;

4. service phone activation mode.

1. credit card application process

1. if users want to apply for a credit card, they must first determine which bank to apply for a credit card according to their own requirements for credit cards. Each bank's credit card will have some characteristics, such as some credit cards focus on promoting food functions and some credit cards focus on promoting travel functions. Users can choose the credit card that suits them according to their own needs.

2. The procedures for applying for a credit card are relatively simple. If the user has no high requirements for the credit limit, he can initiate the application by filling in the credit card application form directly, without providing some personal materials. If users want to get a higher credit line, they can provide personal assets such as vehicles, real estate and deposits to prove that users have strong repayment ability, and the credit card line that is finally approved may be higher.

3. after receiving the user's credit card application, the credit card center will review the user's application. At present, the review of many credit cards is very fast, and the results can be issued within 5 minutes. Credit card centers generally have their own risk control models. Users can be audited through online risk control models, and the audit results can be issued in a short time.

4. when the user's credit card application is approved, the credit card center will make a credit card for the user, which is usually made very quickly. After the credit card is made, the credit card center will mail the credit card to the place designated by the user, and the user can use the credit card after receiving it.

Second, the process of credit card cancellation

How to cancel the cancellation of credit cards:

1. Within 6 months after the credit card is notified, it can be restored by phone or by handling at the counter;

2. If you still have your credit card before making a phone call or going to the counter, you can continue to use it; If it has been destroyed, the credit card issuing bank will resend the card;

3. If the account has been closed for more than 6 months, you must reapply.

III. Conditions for canceling the credit card

1. The credit card arrears have been paid off;

2. The annual fee is paid normally;

3. Other requirements. Be sure to call the official customer service of the credit card and ask clearly.

how to activate the use of a credit card for the first time

Many friends who apply for a card for the first time don't know what to do after they get the credit card. In general, you have to activate your credit card before you can use it. The following is an introduction to how to activate and use credit cards.

first, credit card activation

the first time you use a credit card, you must activate it. any credit card that is not activated cannot be used. There are many ways to activate the credit card, and cardholders who don't know how to activate it can refer to the following three ways:

1. Counter activation: This activation method is very simple, and it is generally necessary to bring valid identity documents and credit cards to the issuing bank's business outlets. Some banks stipulate that online application for credit cards can only be done in this way, and the relevant documents that need to be brought will generally be notified in short messages.

2. Online activation: There are many ways to activate the credit card online. You can pay attention to the activation of the issuer's WeChat WeChat official account, or you can activate it in the issuer's credit card official website.

3. Telephone activation: generally, you need to dial the 24-hour service hotline on the back of the credit card, and then open the card by yourself according to the voice prompts. If not, you can transfer to the manual service and ask the customer service to help open the card.

second, the use of credit cards

the use of credit cards includes many aspects, such as credit card consumption, online payment, repayment, and handling various businesses, such as bill installment, cash withdrawal, etc. When you apply for a card for the first time, you must have a general understanding of the use of credit cards.

1. Credit card consumption: Credit card can be used as a payment tool, which can be directly consumed through the credit card POS machine installed by merchants.

2. Online payment: Online payment by credit card is very simple. For example, if you want to shop in Taobao, click on the payment method, choose credit card, and enter the credit card, three-digit security code and SMS verification code to pay.

3. Repayment: If you use a credit card to overdraw, you must repay it on time, otherwise it will affect your credit history. There are many ways to repay credit cards. You can repay them through mobile banking or through a third-party payment platform, such as Alipay.

How to activate a credit card for the first time

You must activate it before you can use it. Many cardholders who apply for a card for the first time don't know much about this activation method, so they don't know what to do. In fact, there are many ways to activate very useful cards, but if you apply online, the activation methods may be different. Let's take a look.

generally, there are many ways to activate credit cards, including but not limited to SMS activation, online activation, customer service phone activation, outlet activation and WeChat activation.

The most commonly used and convenient activation method is telephone activation. You only need to dial the 24-hour customer service hotline starting with 4 on the back of the credit card with the reserved mobile phone and follow the voice prompts to activate the credit card.

tip: if the application for credit card is in the form of online application, you must go to the bank outlet to activate the card; If other methods are used before, you can choose one of the three activation methods.

Here's an introduction to the activation method of online credit card application.

Take Minsheng Bank's credit card as an example. After successfully applying for a credit card online, the bank will require the cardholder to activate the credit card at the business outlets of Minsheng Bank, which is actually equivalent to going to the bank for a second audit to confirm that the applicant is himself.

The activation process is as follows:

1. You need to go to the counter of the branch where the applicant of Minsheng Bank is located to activate, with your ID card and credit card letter;

2. After arriving at the bank, copy your ID card (one on the front and one on the back) and credit card (copy on the front). Then fill in the application guarantee and signature date behind the credit card letter in advance;

3. The counter staff will ask for the original ID card and credit card, as well as their copies. Then the password will be entered twice (six digits), and then the credit card information will be printed for the customer to check the signature for confirmation;

4. The identification and activation are completed here. You can ask the staff about their credit card overdraft limit and repayment date on the spot.

I want to remind you that there is generally no time limit for credit card activation, as long as you activate it within the validity period of the card. The credit card itself has a validity period of 3 or 5 years. If the credit card is not activated after the validity period, then your credit card will be invalid.

how to activate the credit card after you get it

In general, after the credit card is applied, there are several ways to activate it:

1. Network activation: bring my ID card to the bank counter to activate it.

2. Telephone activation: Call the customer service phone on the back of the credit card to activate. Activate according to customer service prompts.

3. Online activation: Log in to the website of the Credit Card Center. Each bank has different websites, but the activation steps are basically the same. For example, Everbright Credit Card can be activated by logging into the Credit Card Center of Everbright Bank online and directly selecting the "Online Activation" option.

how to activate a credit card?

Under normal circumstances, there are several ways to apply for a credit card:

1. Network activation: bring my ID card to the bank counter to activate it.

2. Telephone activation: Call the customer service phone on the back of the credit card to activate, and follow the customer service prompts to activate.

3. Online activation: Log in to the website of the Credit Card Center. Each bank has different websites, but the activation steps are basically the same.

reasons for the need for credit card activation: because credit cards are basically sent to applicants by registered mail, in order to avoid sending them to the wrong address or losing their credit cards during the mailing process, banks require that credit cards must be activated before they are used for spending. When activated, cardholders need to provide personal information, such as birthday and ID number, for verification.

for the safety of the cardholder, the card is not opened before mailing, so that even if the mailing is wrong or damaged, others will not be able to activate your personal information, and naturally they will not be able to spend by credit card.

Extended information:

What happens if the credit card is activated without spending?

it won't cause much problem if you don't spend after the credit card is activated. It's just that after the bank deducts the annual fee from the credit card limit, the customer must remember to repay it on time, otherwise it will be overdue, which will bring adverse effects and personal credit will be damaged.

of course, if the customer's card is directly exempted from the annual fee, then naturally there is no need to worry about the annual fee, and then just take care of the card to avoid information leakage and security risks.

It should be noted that in fact, many cards with the general card and gold card level can be exempted from the annual fee, so customers can swipe their cards several times a year, as long as the specified number of times is reached. At that time, the annual fee will be exempted and customers will not have to repay. In the past, as long as the credit card consumption is paid off on time before the repayment date (inclusive), the customer only needs to repay the consumption principal, and no interest will be generated.

and if customers only apply for cards for collection, not for credit card consumption, it is better to suggest that customers choose cards that are directly exempted from annual fees. If the application is for high-grade cards such as platinum card and diamond card, the customer will not be able to activate the use because of the hard annual fee, otherwise it will be overdue if the repayment date is up.

how to activate the credit card

The credit card needs to be activated because the credit card that came by email is in an inactive state and cannot be used. If you want to use it, you need to activate it yourself.

the credit card was sent to the cardholder by registered mail, but the password was not set immediately on the way or after I received the credit card. Therefore, the card that I just remembered is in an inactive state and cannot be used. If I want to use it, I have to activate it myself. The activation condition is of course the information filled in, and only the applicant knows what to fill in. This is also to ensure the safety of the customer's funds. If it is not delivered to the applicant, the card will not be automatically activated and no annual fee will be charged.

1. To activate a credit card, you need to provide personal identification information. You can activate the credit card in the following three ways:

1. Open the card through online banking, and if you have an online banking shield, you can set the transaction cash withdrawal password together;

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2. The card opening of the banking counter at the outlets is confidential, and I need my ID card and credit card when handling it;

3. Telephone voice self-service card opening. Of course, before activation, you will need to enter some personal information to ensure that it is the cardholder himself. If the information input is incorrect, you will switch to manual card opening.

Second, the annual fee rules for credit cards

The annual fee rules for credit cards refer to some corresponding regulations on the annual payment of credit cards. Banks are not allowed to charge an annual fee before the cardholder is activated. However, most people have little knowledge of the various rules for handling annual fees for credit cards in different banks. Most of the annual fees for credit cards are around 1 yuan, and some banks stipulate that the annual fee can be waived by swiping them three times a year.

The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 1 yuan, while the annual fee for gold cards is generally 2 yuan or 3 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee of the supplementary card is generally halved corresponding to the annual fee of the main card.

the annual fee standard of credit cards in different banks will be different according to different cards. For example, Shanghai Pudong Development Bank standard credit card Puka annual fee master card 18 yuan, attached card 9 yuan; Gold card annual fee main card 36 yuan, supplementary card 18 yuan; The annual fee for Shanghai Pudong Development Co-branded Card is 36 yuan; As for the Pufa McDull series credit cards, the signboard of "free annual fee for life" has been displayed. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will vary greatly. Cardholders should first ask how high this "potential cost" is when they apply for a card.

that's enough for the introduction of the credit card counter activation process.