How to activate a credit card?

The method of activating a new credit card is as follows:

1. Activate at the bank branch counter: Bring your ID card and credit card to the bank counter for activation That’s it.

2. Customer service phone activation:

(1). Call the 24-hour customer service hotline shown on the back of the credit card and enter the cardholder’s and query password;

(2). Follow the voice prompts and select credit card activation.

3. Online activation:

(Browser computer: macbookpromos14 opens Google version 92.0.4515.131)

(1). First log in to the credit card issuing bank Enter the cardholder's password on the online banking page;

(2). Find the "Credit Card Activation" page and enter verification information such as the reserved phone number according to the prompts on the page. If the identity verification is passed, the credit card can be activated.

1. Credit card opening

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

2. Credit card identification

The credit card must have at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and hologram Anti-counterfeiting mark, name in English or Pinyin, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts .

Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the back of the credit card) On the signature line, the three digits immediately following the last four digits are used for credit card activation, password management, television, telephone and online transactions, etc.).

How to activate a credit card?

Generally, after applying for a credit card, there are the following methods:

1. Activation at a branch: Bring your ID card to the bank counter to activate.

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

3. Online activation: Log in to the credit card center website. Each bank has different websites, but the activation steps are roughly the same.

The reason why credit card activation is required: Because credit cards are basically delivered to applicants by registered mail. In order to avoid being mailed to the wrong address or the credit card being stolen during the mailing process, the bank requires Credit cards must be activated before swiping the card for consumption. During activation, the cardholder is required to provide personal information, such as birthday, ID number, etc. for verification.

For the safety of cardholders, the card is not activated before mailing. This is because even if it is mailed by mistake or someone else does not know your personal information, it will not be activated, and naturally you will not be able to use the card for consumption.

Extended information:

What will happen if the credit card is activated but not consumed?

Not consuming after the credit card is activated will not cause too big a problem. However, the bank will deduct the annual fee from the card limit later. Customers must remember to repay the loan on time, otherwise it will cause overdue payment and then the card will be overdue. It will have a negative impact and your personal credit will be damaged as a result.

Of course, if the annual fee of the customer's card is directly waived, then naturally there is no need to worry about the annual fee. After that, just pay attention to keeping the card to avoid information leakage and security risks.

Everyone needs to note that in fact, many ordinary and gold-level cards can be used to waive annual fees, so customers can use the card to make purchases a few times a year, as long as they reach the specified number, then the annual fee will be waived, and customers No more repayments. In the past, credit card purchases only had to be paid off on time before the repayment date (inclusive), and customers only had to repay the principal of the purchase without accruing interest.

If the customer only applies for a card for collection and does not use the card for consumption, it is recommended that the customer choose a card that directly waives the annual fee. If you apply for a high-level card such as a platinum card or a diamond card, the card will be overdue if you fail to repay it when the repayment date comes due to a hard annual fee.

How to activate and use 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 getting the credit card. Normally, after you get a credit card, you must first activate it before you can use it. The following will give you an introduction to how to activate and use a credit card.

1. Credit card activation

The first time you use a credit card, you must activate it. Unactivated credit cards cannot be used. There are many ways to activate credit cards. Cardholders who don’t know how to activate can refer to the following three methods:

1. Activation at the counter: This activation method is very simple and generally requires you to bring a valid ID. . Apply for a credit card at the business outlet of the card-issuing bank. Some banks stipulate that you can apply for a credit card online. You can only apply for a card through this method. The relevant documents you need to bring will usually be notified in the text message.

2. Online activation: There are many ways to activate your credit card online. You can activate it by following the card issuer's WeChat official account, or you can activate it on the card issuer's official credit card website.

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

2. Credit card use

Credit card use includes many aspects, such as card consumption, online payment, repayment, and handling of various businesses, such as bill installments, cash withdrawals, etc. , when applying for a card for the first time, you must have a general understanding of how to use a credit card.

1. Credit card consumption: Credit card can be used as a payment tool, and consumption can be made directly through the card POS machine installed by the merchant.

2. Online payment: Online payment with credit card is very simple. For example, if you want to shop on Taobao, select the product and click to pay, select the payment method as credit card, enter the credit card, three-digit security code, and SMS verification code. It's time to pay.

3. Repayment: When using a credit card for overdraft consumption, you must repay it on time, otherwise overdue payments will affect your credit record. There are many ways to repay credit cards. You can repay through mobile banking or through a third-party payment platform, such as Alipay.

How to activate a credit card

1. Activate the bank credit card by returning the card opening letter.

Carefully read the bank’s credit card opening letter and return your relevant information to the return address provided in the card opening letter to activate the credit card.

2. Activate the credit card through the bank business hall.

Card holders who successfully apply for a credit card online do not have to reply to the confirmation letter to activate the credit card. The fastest way is to bring your ID card and card to a local branch. There are branches in second-tier cities and above. In the card department, you can open a card directly. Bank credit cards applied through other channels can also choose this method to activate the credit card.

The specific steps include:

Orally submit an application for credit card activation to the bank staff - the staff will ask you to show your card and ID card - copy your ID card and submit it to China Guangfa Bank - —Card activation is complete. Wait a few minutes to receive a text message confirming activation of your credit card.

3. Activate the credit card through the bank’s credit card customer service phone number.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 57, Paragraph 2

The card-issuing bank receives repayment from the cardholder When the credit card account is overdue, the various arrears of its credit card account will be offset in the following order: if it is overdue for 1-90 days (inclusive), it will be offset in the order of interest or fees receivable first, and then the principal; if it is overdue for 91 days, it will be offset The above will be offset in the order of principal first, then interest receivable or various expenses.

How to activate a credit card for the first time

Applying for a card for the first time does not mean that you can use it after you get it, but it must be activated before you can use it. The activation methods and requirements of each bank are different. Some require that when applying for a credit card for the first time, you must go to the bank to activate it, while others do not. Below, I will introduce to you several methods of credit activation.

1. How to activate a credit card for the first time

1. Official website activation:

Card holders can log in to the official website of the issuing bank of your credit card. After logging in, find Activate according to the prompts on the corresponding activation page. It should be noted that to activate the card online, you need to use the mobile phone number you reserved in the bank to receive a dynamic verification code.

2. Customer service hotline:

You can call the customer service hotline of the credit card issuing bank or the national customer service hotline, follow the self-service voice prompts, or transfer to manual service and ask customer service to help activate.

3. Bank activation:

Card holders can also bring their credit card and ID card to a nearby bank business hall and let the staff activate the card for you.

2. What to do if credit card activation fails

There are many reasons for credit card activation failure. Only by finding the cause of failure can activation be successful. If you really don’t know why it failed, I suggest you go directly to Bank activation.

I would like to remind everyone that when activating a credit card, it is best to use the phone number reserved for your first card application to call the credit card service hotline, so as to activate your credit card well.

That’s it for the introduction on how to activate the credit card you just applied for.