Why do I need to open a CITIC Bank credit card (debit card)?

You must run the credit card (credit card) opening operation before using each credit card (credit card). The credit card (credit card) can only be used after the card is successfully opened. When you receive the card sent to you by China CITIC Bank, you should first sign on the back of the credit card (credit card) immediately and open the card before you can spend. After completing the card opening, you can enjoy swiping the credit card (credit card). Fun too. You can open the card in the following three ways:

(1) Open the card via mobile phone: edit the text message "the last 4 digits of the KK card number and the last 4 digits of the home phone number", and send it to 106575580895558 for mobile users and to 106575580895558 for China Unicom users. 10655020095558 to open the card (for example: KK00008888, you need to send it using the mobile phone number you registered when applying).

(2) Online banking card opening: Log in to the official website, click "Login to Online Banking" → select "Credit Card (Credit Card) Card Opening".

(3) Customer service hotline to open a card: call 40088-95558. For overseas countries and areas where 400 service is not available, please call (0755) 8238-0730 and select "2" credit card (credit card) to open a card.

Why the credit card needs to be activated

The credit card needs to be activated because the credit card sent by email is in an inactive state and cannot be used. If you want to use it, you need to activate it in person.

The credit card is mailed to the cardholder by registered mail, but the password is not set immediately on the way or after receiving the credit card. Therefore, the card just recorded is in an inactive state and cannot be used. , if you want to use it, you must activate it yourself. The activation conditions are of course the information filled in. Only the applicant knows what is filled in. This is also to ensure the safety of customer funds. If it is not handed over to the applicant, the card will not be automatically activated and no annual fee will be charged.

1. To activate a credit card, you need to provide personal identity information. You can activate the credit card in the following three ways:

1. Open a card through online banking. If you have an online banking shield, you can set it up together. Transaction withdrawal password;

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2. Set up a password at the branch financial management counter, and your ID card is required when handling and credit card;

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.

2. Credit card annual fee rules

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, Faced with the various annual fee rules for credit cards issued by different banks, most people have little understanding of them. The annual fee for credit cards is mostly around one hundred yuan. Some banks stipulate that the annual fee can be waived if you swipe the card three times a year.

The annual fee policy of most banks has not changed. Generally, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is generally 200 yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.

The annual fee standards for each bank’s credit card will vary depending on the card. For example, the annual fee for the Shanghai Pudong Development Bank standard credit card is 180 yuan for the main card and 90 yuan for the additional card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the additional card; and the annual fee for the Shanghai Pudong Development Bank co-branded card is 360 yuan; as for the Pudong McDull series The credit card also displays the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.

All credit cards you apply for need to be activated. Why is this?

With the continuous development of social economy, people’s payment methods are also constantly expanding, and the requirements for the use of credit cards are getting higher and higher. However, when we first applied for a credit card, we all It goes through an activation step, which is what we usually call opening a card. In fact, we all know that after the credit card application is approved, the card will be sent to us by mail. At this time, there may also be a signature for the card. If the card is not opened again, it is likely to cause losses to the applicant and the bank's funds and property. Enable the card opening process before the credit card is officially activated to better confirm the cardholder's identity information. There will be no theft.

At the same time, we need to pay attention to the fact that the applicant has just started. After successfully applying for a credit card, the cardholder will immediately have a separate credit card account opened at the card-issuing bank, which is very convenient for his or her future life. At the same time, we need to pay attention to that before applying for a credit card, we must learn We need to treat it seriously and cautiously, because we all know that the credit card limit is closely related to our personal credit report.

Therefore, what we need to pay attention to is that we must learn to maintain our personal credit report in daily life. Once overdue behavior occurs, high interest will also be incurred. I hope everyone can Being able to know this, at the same time, there are strict regulations regarding the use of credit cards. Credit cards are usually limited to other people’s personal use and loaned to others. This is generally a violation of the credit card use contract. This is also what I hope everyone can know. one thing.

If we are promoted by others in our daily life, we should do it. As for credit cards, then we must keep our eyes open, because we all know that there are a lot of card promotions, and the people are just for making money, not for convenience. We hope everyone can know this, and at the same time, for The behavior of card application intermediaries should also be severely punished and stopped.

Why do I need to activate my credit card?

Generally, when banks apply for credit cards, they give gifts or recommend gifts, which attracts many people to apply for the card. Maybe everyone thinks that as long as you don't activate this card, it won't have any impact. From these aspects, let me introduce to you the potential risks of not activating your credit card?

First: Some credit cards will also charge annual fees if they are not activated

As we all know, credit cards require annual fees to be paid to the bank.

However, the China Banking Regulatory Commission stipulates: "The banking financial institution shall not deduct any fees before the cardholder activates the credit card. The cardholder shall authorize the banking financial institution to deduct the fees in writing by recording the call to the customer service center or electronic signature." Except for expenses." That is, no fees will be deducted from unactivated credit cards.

That is, if the credit card is not activated and used, there is no annual fee. However, it should be noted that some credit cards still charge an annual fee even if you have not activated them.

For example, Platinum Card. Because the platinum card needs to provide some high-value value-added services, the bank has to bear a large expenditure for this. Therefore, there is such a rule that even if platinum card users do not activate the card, they will still be charged the same annual fee.

So, platinum card users must remember that even if they do not activate, there will still be an annual fee. For regular and gold card users, it is best to call the bank to confirm whether there will be an annual fee or other fees if it is not activated.

Second: Unactivated credit cards also pose the risk of fraud.

Nowadays, it is becoming easier and easier to activate credit cards. Some banks only need to verify the ID number to activate the card. This increases the risk of the card being activated and stolen by others.

Moreover, the magnetic stripe information on credit cards is likely to be used by criminals to leak personal information.

There are many cases of credit card theft. Criminals use loopholes to activate unactivated credit cards, thereby stealing the cards for consumption.

Third: Impact on personal credit report

Many people know that if a credit card is overdue, it will affect personal credit report.

If you accidentally check some deduction items on the application form without realizing it, then in a few years, this credit card will be in arrears with a lot of fees and interest, that is, Overdue behavior naturally occurs. This will affect your personal credit score.

And everyone knows that as long as we successfully apply for a credit card, there will be corresponding records on our personal credit report. Even if we get the card but do not activate it, the credit card's approval time and initial limit will have corresponding records on the credit report, and there will also be records such as "The card has not been activated yet."

Under the influence of these, cardholders who want to apply for new credit cards or loans in the future may be affected. Banks will consider that cardholders who apply for multiple credit cards but do not open the cards are in good faith or lack of integrity. Problems such as this demand may reduce credit card and loan limits, and even affect the success rate of credit card and loan approval.

As long as you apply for a credit card and pass the review, whether it is activated or not, it will appear on your personal credit report, affecting your total credit limit and the number of credit cards. Therefore, Fa Ge suggests that if you do not want to activate the credit card you applied for, you should cancel the card as soon as possible.

Do you have an unactivated credit card? Remember to cancel it if you don’t use it!

China Construction Bank: Why should I use a credit card (debit card) to open a card?

China Construction Bank official reply:

You must first run the credit card (credit card) opening operation before using each credit card (credit card). ) can only be used after the card is successfully opened. After you receive the card, whether it is the main card or the supplementary card (including newly issued cards, damaged and lost cards, replacement cards when expired, etc.), please first call our credit card (debit card) service hotline through online banking at 4008200588 or 021-38690588 to open the card.

This is the end of the introduction about why you need to open a credit card and what happens if you don’t use it. I wonder if you found the information you need?