A credit card can only be used if it is activated. What are the ways to activate a credit card?

Usually after applying for a credit card, you need to activate it before you can use it. For activating credit cards, some people want to call bank customer service directly because it is convenient. But some people call bank customer service and can't activate their credit card. New credit cards do not need to be activated over the counter. The main methods of activating a credit card are over-the-counter activation and customer service phone activation. Therefore, the credit card can be activated not only over the counter but also through the customer service number of the credit card bank. However, it should be noted that credit cards processed through different channels have certain restrictions on the activation methods of the credit card.

If the applicant goes directly to the bank counter or applies for a credit card through a bank loan officer when applying for a credit card, it can be activated at the bank counter or bank customer service phone. However, there are also some credit cards that must be activated at the local bank counter. For example, if an individual applies for a credit card on the official website of the Bank of Communications, the credit card cannot be activated through the customer service phone. The applicant must hold a valid personal ID card and credit card and go to the local Bank of Communications counter to activate the card. activation. If a credit card needs to be activated, customers can directly log in to the personal online banking or mobile banking client and credit card APP, find the card they applied for on the personal account page, and select the activation option to open the card online.

In addition, customers can also directly call the bank service hotline "0" button to transfer manual services, and then submit an activation application to the customer service staff. Bank customer service will help activate the card after verifying the customer's identity and card information. Of course, we need to note that if you apply for a bank's credit card online for the first time, you may need to go to a branch to activate the credit card face-to-face. In this regard, after receiving the card, the customer can bring the personal ID card and credit card to the network counter within the agreed time and find an employee to handle the activation procedure. Generally, they only need to ask a few questions and sign a statement to open the card.

As for why the credit card is activated, because the credit card is basically sent to the applicant through a registration letter. In order to avoid being mailed to the wrong address or credit card, the bank requires that the credit card must be activated for consumption. Activation requires the cardholder to provide personal information. , such as: birthday, ID number, etc. verification. This ensures the security of the cardholder. Even if the email is wrong or stolen, others will not know that your personal information cannot be activated, and naturally they cannot swipe the card for consumption.

Why do credit cards need to be activated?

Hello, I am happy to answer your question.

Under normal circumstances, a credit card will not be automatically canceled if it is not activated, unless the credit card has expired, in which case the credit card will automatically become invalid. If the credit card is not activated beyond the validity period, it will enter the dormant period.

If the credit card holder does not want to use the credit card in the near future, if he ignores it, he may have a bad credit card record, which may affect his personal banking business in the future. Therefore, it is necessary for us to cancel bank credit cards at the right time.

It’s best to cancel any credit cards you don’t use.

The safest way for cardholders is to report the loss first and then cancel it, because the credit card regulations of many banks stipulate that the cardholder shall bear the losses caused after the credit card is lost and before the loss is reported. The loss shall not be borne by the cardholder.

If the cardholder needs to cancel the credit card, the cardholder should take his or her ID card and credit card to the bank counter and fill out the credit card cancellation application form to apply for cancellation of the credit card if there is no outstanding balance in the credit card. Before canceling a credit card, you need to pay off the money in the card and stop using the credit card. Wait about 45 days before you can officially cancel the card. After the official cancellation, you can destroy the card.

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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!

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 it. 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 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.

Why should I activate the Guangfa Credit Card if it has not expired?

If the card has expired and has not been activated, then your credit card will become invalid and cannot be used anymore, and you must apply for a new card.

If your credit card has not been activated for more than 3 months, the bank will call you and ask you why you did not activate it. If you express your intention to activate it to the bank, the bank will remind you to activate it as soon as possible. Otherwise, if If you realize that you have no need for your credit card, you will cancel your credit card. Therefore, if you feel the need to apply for a credit card, try to activate the card as soon as possible.

There are many ways to activate Guangfa Credit Card. You can activate by phone, via WeChat official account, or at the counter at an outlet.

This ends the introduction on why credit cards can be activated and why credit cards can be activated. Have you found the information you need?