First, after the bank of communications credit card expires, the new card needs to be activated before it can be used. You need to reactivate after you get a new card. The cardholder can call the customer service hotline of the bank credit card and activate the credit card according to the voice prompt; It can also be activated through bank official website. General banks in official website have credit card activation channels, and cardholders can log in to the issuing bank in official website to activate their credit cards; If online banking is enabled, you can log in to online banking to activate your credit card. In addition to the above methods, cardholders can also try to activate credit cards through SMS, WeChat, mobile APP and other channels.

Second, the credit card is not activated and there is no annual fee.

The credit card activation period is specified as:

1. The bank has no time limit for credit card activation.

2. The bank credit card is valid and can be activated at any time during the validity period. If it is not activated after the expiration date, the card will be cancelled and invalid.

The validity period of a credit card is usually 3 to 5 years, which is marked on the front of the credit card, as long as it can be activated before this. If the credit card is not activated, the annual fee will be involved first. Most credit cards are not activated, and there is no annual fee, but some high-level credit cards and some credit cards with special materials will also generate annual fees if they are not activated. If the annual fee of credit card is ignored, it may lead to bad credit records that exceed the term.

Third, in addition, as long as the credit card is activated or not, it will be reflected in the personal credit information system. If you apply for a credit card in the future, the bank will inquire. Too many inactive credit cards will affect the approval of new cards. Credit cards are usually valid for 3 -5 years. If the inactive credit card is likely to have expired and cannot be activated directly, you can only choose to cancel it. If the deactivated credit card is really of little use, I suggest you cancel it.

Fourth, the initial credit card limit depends on the applicant's credit status. If you are a young man who has just entered the society, the credit card you apply for is the first card, and your personal qualifications are definitely not good enough, especially if your economic strength is relatively weak. It's good to approve a credit card of 5000 yuan. If there is demand for credit cards, you can activate them.