Does the Bank of Communications credit card need to be activated after the card is replaced? What are the activation methods?

Some netizens left a message and asked whether the Bank of Communications credit card needs to be activated after the card is replaced. Can the card after replenishment be used directly, or does it need to be activated? Today, let me tell you whether you want to activate it and how to activate it.

The credit card replacement will take effect immediately after the card is successfully replaced. The new card will be sent by registered mail according to the mailing address registered by the cardholder at the Bank of Communications. It is usually sent within 3 days, and the new card can be received in about 10 days. Card. After receiving the new card, it must be activated before it can be used.

What are the activation methods for Bank of Communications credit cards after replacement?

1. Activate at the counter of a bank outlet. You need to bring your ID card and credit card when applying;

2. Open a card through online banking. If you have an online banking shield, you can also set up a credit card. Transaction and cash withdrawal password;

3. Call for voice self-service activation. You will need to enter some personal information to ensure that the cardholder himself receives the card. If the information is entered incorrectly, it will be transferred to manual activation.

How to know the card after replenishment and activation success?

1. You can call the credit card center of the issuing bank and ask the staff whether it is activated;

2. Use the credit card directly to make purchases at the store POS machine. If it is not activated, it is Cannot be consumed;

After the Bank of Communications credit card is replaced, the new card needs to be activated. There are many activation methods, and cardholders can choose according to their own circumstances.

You can apply for various credit cards quickly and safely.

How to activate the replacement card after reporting the loss of the Bank of Communications credit card

If the Bank of Communications credit card is lost, you need to report the loss and replace it. The bank will mail the replacement credit card to your billing address. However, what I want to tell you here is that after you get the replacement credit card, you must activate it before you can use it. So, how to activate the replacement card after reporting the loss? Let’s find out together below.

As far as we know, if the credit card is accidentally lost or stolen, in order to avoid the credit card being stolen, cardholders can immediately call the Bank of Communications credit card customer service hotline 400-800-9888 to report the loss. After reporting the loss, they must call customer service The hotline handles card replacement.

However, reporting the loss of a Bank of Communications credit card is not free. Once the loss is reported, a loss reporting fee of 50 yuan will be deducted immediately. After completing the card replacement procedure, Bank of Communications will issue a new card to the cardholder on the next working day and send it by registered mail. After getting the new card, you can refer to the following three methods to activate the card:

First, activate it at the bank branch counter. You need to bring your ID card and credit card when applying;

Second . Open a card through online banking. If you have an online banking shield, you can also set the credit card transaction and cash withdrawal passwords;

Third, call for voice self-service activation, and you will need to enter some personal information to ensure that you are holding the card. The person receives the card in person. If the information entered is incorrect, it will be redirected to manual activation.

If you don’t know whether the new card has been successfully activated, you can do this:

1. You can call the credit card center of the issuing bank and ask the staff whether it has been activated;

2. Directly use your credit card to make purchases at the store POS machine. If it is not activated, you cannot make purchases;

3. Go to the central bank system to check your personal credit report, and face the inquirer The credit card and loan records are recorded in detail. If the credit card is not opened, it will also be displayed as inactive.

How to activate the CCB credit card after changing to a new card

There are several ways to activate the credit card after changing to a new card:

1. Activate at the bank counter: hold the card People can activate it at the counter of the nearby bank where the credit card is located, and they need to bring valid documents for activation.

2. Customer service hotline activation: Cardholders can call the 24-hour customer service hotline shown on the back of the credit card, enter and check the password and activate.

3. Online banking activation: Log in to the official website of the card-issuing bank, click on credit card activation, and enter relevant information according to the prompts on the page to activate.

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period starts from the bank accounting date. Until the repayment date, the minimum is 20 days and the maximum is 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5% late payment fee is charged.

Calculation example:

Assume that your bill date is the 17th of a certain month, and the due payment date (taking 30 days per month as an example) is the 17th of the next month (if If the month has 31 days, it will be the 16th of the next month, and the size of the month is calculated accordingly).

If you spend 10,000 yuan on April 15, and the consumption is credited to your account on that day, the bank accounting date will be April 15, because your bill date is April 17 date, the due repayment date is May 7, 20 days after the bill date, and the longest interest-free period for this consumption is 23 days;

If you spend 10,000 yuan on April 18, and If the consumption amount is credited to your account on the same day, the bank accounting date will be April 18. Since the consumption amount should be debited on the statement date of May 17, it will be June 6 before the due date of repayment. If there are 50 days, the maximum interest-free period for this purchase is 50 days.

During the recycling period:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the credit limit in time (including repayment according to the minimum repayment method) after each use, it can be used repeatedly and there is no need to apply before each use. Revolving credit is the inherent attribute and main function of credit cards, which brings convenience to cardholders.

Interest calculation for revolving credit:

Each consumption amount in the previous statement is the interest-bearing principal, from the date the account is recorded until the account is paid off The number of interest accrual days is the number of days to accrue interest; the revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000, and compound interest is calculated on a monthly basis. Interest on the revolving credit will be stated on your next bill.

Calculation example:

Assume that your bill date is the 7th of each month and the repayment due date is the 27th of each month. If you spend 10,000 yuan on March 20, and the consumption is credited to your credit card account on March 23 (that is, the billing date), your statement on April 7 will list: All dues for this period are repaid The amount is 10,000 yuan, and the minimum repayment amount is 1,000 yuan.

If no other transactions are recorded from April 8 to May 7, and you pay the minimum repayment of RMB 1,000 on April 27, the bill on May 7 will be In addition to the unpaid portion of the consumption amount of 9,000 yuan, another 225 yuan of interest will also be listed.

How to activate a new credit card

When a credit card expires and is replaced with a new card, it needs to be reactivated. There are several common activation channels for major banks: 1. Bring your ID card , the credit card is activated at the branch counter of the card-issuing bank. 2. Activate online by calling the service hotline of the card-issuing bank. During the activation process, you need to send text messages for identity verification. You need to ensure that the reserved mobile phone number can receive text messages normally.

What should cardholders pay attention to after their credit card expires:

1. Contact the card-issuing bank one month in advance

Contact the card-issuing bank one month in advance. Request a new card, otherwise the card cannot be used after expiration. It also takes time for the bank to produce and send a new card, so it is best to replace it in advance.

2. Activate the new card promptly

After the credit card expires and the card is successfully renewed, the old card can still be used. The old card will become invalid after the credit card expires or the new card is activated. Therefore, be sure to activate new cards promptly. Cardholders can choose to activate their credit cards through various methods such as phone activation, official website activation, and online banking activation.

3. Old cards must be cut off in time

Old cards may still be stolen and swiped. During the insurance period, old cards must be cut off in time after the new card is activated.

How long is the validity period usually?

The validity period of a credit card is usually at the bottom of the credit card. It is usually represented by a number "/" such as "xx/xx", with the month in front and the year in the back. For example, if the validity period on your credit card is 09/18, it means that the credit card is valid until September 2018, and the card cannot be used after September.

Why do we need to set the validity period

Some people say that it is enough to set the validity period permanently. Why do we need to change the card? It is so troublesome!

In fact, on the contrary, the reason why the card is set with an expiration date is for security reasons.

First, cards will wear out

Every card has a lifespan. After a certain amount of wear and tear, it will become more or less damaged, so after a period of time After that, you need to replace the card with a new one to ensure that you can use the card normally.

Second, functions need to be updated

In order to provide cardholders with better experience and services, card functions will also be constantly updated, such as from magnetic stripe cards to chip cards. The update has greatly improved the security performance, greatly reducing the possibility of credit card fraud.

Third, risk assessment

In addition to the card itself, the bank also needs to re-assess the risk of the cardholder. The financial resources and work of the cardholder will continue to change. In order to reduce risks, banks need to evaluate cardholders.

Fourth, reduce risks

For cards that have been idle or lost for a long time, the longer the validity period, the greater the chance of fraud and the higher the risk.

Fifth, add protection

In addition to the above, setting the validity period also has the function of adding a layer of protection. Because when we pay online, we sometimes need to enter sensitive information such as the expiration date and the last three digits. An additional verification is also more secure.

This ends the introduction on how to activate a reissued credit card and how to activate a reissued credit card. I wonder if you found the information you need?