Yes Usually, the credit card can be used immediately after it is activated. No matter how it is activated, it can be used immediately without waiting. Activation methods include counter activation, online banking activation, mobile banking activation and telephone activation. It is worth noting that you need to set a password after activation. Query password and transaction password need to be distinguished, which will be safer.

Do I have to go to the bank to activate my credit card?

Not necessarily. If you apply for a credit card in a bank, you generally don't need to go to the bank to activate it, because the staff has already verified it when you apply. If you apply for a credit card online, and it is the first time to apply, you must go to the bank to activate the credit card.