How long does it take to activate a credit card after applying for it?

After receiving the credit card, it needs to be activated within the validity period of the credit card, otherwise it will be invalidated. There is expiry date information on the credit card. You can check the specified time given to you on the following credit card. The validity period of the credit card is expressed in months/years. For example, 10/20 is valid until October 31, 2020.

Credit cards have different validity periods depending on the bank, generally 3 to 5 years. You can activate it at any time during the validity period of the credit card, that is, within three years. It doesn’t matter even if you don’t activate it. If you don’t activate it, there will be no annual fee. If the credit card is valid for three years, then if you haven’t opened the card after three years, the bank will Automatically canceled based on circumstances. Not activating your credit card has no impact on your credit score. Because this is normal.

1. If it is the first time and it is done through online channels, there will be an face-to-face activation procedure. This procedure needs to be completed within 90 days after passing the initial review and receiving the credit card. An expired card is invalid and needs to be reapplied.

2. If it is not the first time, after receiving the card, it can be activated and used within the validity period of the card. The validity period of the credit card is generally located on the front of the card, in the lower right corner, with four numbers and a slash in the middle. It is in the form of "month/year". For example, if it is written 06/27, it means that the card will expire in June 27. Of course, the activation procedures of each bank will be different. It is recommended that you also You can contact the bank to confirm again.

After receiving the credit card, you can activate it immediately. The activation method is as follows: 1. Activate at the branch: bring your ID card to the bank counter to activate;

2 . Telephone activation: Call the customer service number on the back of the credit card to activate.

3. Online activation: Log in to the bank's credit card center online and directly select the "Online Activation" option to activate the credit card. website, but the activation steps are roughly the same.

Credit card annual fee collection rules:

The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is 100 yuan. The annual fee for a gold card is generally 200 yuan or 300 yuan. The annual fee for a supplementary card is generally half that of the main card. The annual fee is waived in the first year, and the annual fee is waived in the next year if the card reaches a certain standard. However, this is not the case for all cards. For example, the ICBC credit card does not waive the annual fee in the first year, but requires a total of 5 card swipes or purchases. The annual fee for the current year can only be waived if the card is over 5,000 yuan; CITIC Bank stipulates that the first-year annual fee can only be waived by swiping the card once in the first month after it is issued.

How long does it take to activate a Guangfa Bank credit card?

It takes 6-10 working days to activate the Guangfa Bank credit card applied online. The activation method is:\Method 1: By replying to the card opening letter\Read the contents of the credit card opening letter carefully and reply according to the return address provided in the card opening letter. \Method 2: Open the card through the Guangfa Bank business hall\If you successfully apply for a bank credit card online, you do not have to reply to the confirmation letter to open the card. The fastest way is to bring your ID card and Go to the local Guangfa branch. Branches in second-tier cities and above have card departments, and you can directly open the card. Credit cards applied through other channels can also choose this card opening method. \Credit card activation process: \Verbal application to the staff. Card application - the staff will ask you to show your card and ID card - copy your ID card and submit it to China Guangfa Bank - wait for a few minutes to receive a text message confirming the activation of the Guangfa Credit Card.

It doesn’t take long. Once you get the credit card, it will be activated very quickly.

You can activate the credit card in the following four ways: < /p>

1. Go to the branch counter to activate. Your ID card and credit card are required when handling;

2. Open a card through online banking. If you have online banking, you can also set up transaction withdrawals. Password;

3. Self-service card opening via phone voice. Of course, you will need to enter some personal information before activation to ensure that it is the cardholder himself. If the information is entered incorrectly, it will be transferred to manual card opening.

4. SMS activation.

Credit cards refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.

Credit card is a non-cash transaction payment method and a simple credit service; consumers with credit cards can go to a special commercial service department to shop or consume, and then the bank will settle the payment with the merchant and cardholder. The cardholder can Overdraft within the prescribed limit. Credit card refers to the credit payment instrument issued by the People's Republic of China and various commercial banks within the country (including foreign-funded banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and entities.

Article 3 of the "Credit Card Business Management Measures" The term "credit card" as mentioned in these Measures refers to all commercial banks (including foreign-funded banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) within the territory of the People's Republic of China and the People's Republic of China. Credit payment instruments issued by individuals and entities. Credit cards have functions such as transfer settlement, cash deposits and withdrawals, and consumer credit.

A credit card, also known as a credit card, is a credit payment instrument with a certain overdraft limit that is issued to the cardholder based on his or her credit standing. It has an overdraft function and the cardholder must be within the approved credit limit. “Use it first, pay it back later.”

You can go directly to the business hall to activate, or you can activate it in other ways:

1. To activate by phone, you can call the bank’s credit card 24-hour service hotline self-service voice menu, select card activation, and follow the prompts Information to activate the card and set a password.

2. For online banking activation, you can log in to the official bank credit card website and click to enter the online credit card activation function. Enter the ID number and activate the card.

3. SMS activation: Follow the prompts in the letter sent by your credit card to send a text message to activate.

4. WeChat activation: Follow the bank’s credit card official account and activate your credit card online. Warm reminder: After successfully activating the card, it is recommended to call the customer service hotline to set the transaction password and query password to ensure the normal use of the card.

For credit card overdue fees, different online loan platforms have different names and charging standards. Whether it’s called overdue penalty interest, overdue management, or other various names, the charging standards are very high. Therefore, if you are able to repay your loan on time, do not overdue it.

How many days does it take to activate a Guangfa credit card?

It usually takes 6-10 working days to activate a Guangfa credit card.

Other methods of activating credit cards:

1. Self-service activation

If this is not the first time you apply for a Guangfa Bank credit card, you can use the Guangfa VTM terminal to easily open it yourself. Card, you will receive an activation text message within two to five hours, which is very fast.

2. Customer service phone number

You can use your home phone or mobile phone to call 95508, and then enter relevant information according to the voice prompts to activate your card.

3. SMS activation

You can use the mobile phone number registered with China Guangfa Bank to edit the text message: "The last four digits of the KTK ID number, the last three digits of the signature field on the back of the card" , send to 95508 to complete activation.

Extended information

1. Other activation paths for Guangfa Credit Card:

(1) WeChat official account.

(2) Online banking.

2. Note:

If you are a new customer applying for our bank's credit card through online or telephone channels for the first time, to ensure the safety of using the card, please bring relevant materials to our branch. /Smart Banking Terminal (VTM) activation.

(1) Online reservation.

(2) Required materials: original ID card, credit card, mobile phone reserved by the bank, card insertion paper (the one with the credit card attached).

(3) Others: Supplementary card holders need to bring the above information to the branch for processing.