Industrial Bank credit card application staff binding WeChat and making purchases does not count as activation. According to relevant query information: As long as the user binds the credit card to WeChat, the dynamic password of the card can be seen at any time, and it can be used after activation. However, if the user does not activate the WeChat payment function, after binding the credit card, payment will be risky. , and WeChat payment for overdue credit cards will also generate penalty interest, which will be recorded in the credit report. Some electronic payments and credit cards may disappear or reduce the user's credit card limit.