In this case, it cannot be activated. You need to go to the counter to activate after receiving the card, or if you have applied for a credit card from this bank before, you can directly activate by phone, but you need to use the information on the back of the credit card. . The credit card was approved and it was ready to be shipped within a week.

The difference between a savings card and a credit card:

1. Different roles and functions:

(1) Savings card: The main function is to save deposits, and the cardholder Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, functions such as card consumption, ATM cash withdrawals, transfers, and various types of payment can be realized. Expenses paid through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero.

(2) Credit card: Credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Application methods are different:

(1) Debit card: With your valid ID, go to any bank branch to apply. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.

(2) Credit card: The application method is generally by filling in a credit card application form and submitting certain copies of documents and certificates to the card issuing bank. After receiving the application form and relevant materials from the applicant, the card-issuing bank will review the applicant's creditworthiness. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank.

3. Different categories:

(1) Debit cards are divided into two types: magnetic stripe and chip.

(2) Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

4. Different conditions of use:

(1) Savings cards require deposits before consumption can be made.

(2) Credit card can be used for overdraft consumption without deposit, and can enjoy an interest-free period of 20-56 days. If you repay on time, you will not be charged any interest (most banks will charge 50,000 cents on the day of cash withdrawal). Interest, and 2% handling fee)