Can someone else activate and use the credit card? You will understand after reading this

After the credit card application is successful, it will be mailed to the recipient address. The applicant needs to activate the card before it can be used. The bank will not activate it for everyone. Many people are worried that if their credit card is not received in time or lost, it will be activated if someone else gets it. So can someone else activate and use the credit card? As long as you pay attention to these few things, it basically doesn't matter.

Can someone else activate and use the credit card?

There are generally two situations for credit card activation. One is that it can be activated by oneself, and the other is that one needs to go to the counter to activate. The requirements for activators are different:

1. Self-activation

Old customers who apply for a card or apply for a card online are approved in person when they apply for the card. When receiving the credit card, they do not need to go to the branch to verify their identity and can activate it on their own.

The applicant's card application mobile phone and ID number are required for activation. If the credit card is not activated and is lost, and the mobile phone and ID card are also lost, it may be activated if someone picks it up. It is best to apply for a loss report immediately after losing it, so as to report the loss before others activate it. If the credit card expires, it cannot be reactivated.

2. Counter activation

Generally refers to new customers applying for a card online. Many banks will issue the card directly after passing the initial review, allowing the applicant to bring the card after receiving it. The card, reserved mobile phone, and valid ID card can only be activated after going to the branch counter to sign. The purpose is to prevent others from stealing the credit card. In this case, it cannot be activated unless it is the applicant himself, because the bank needs to meet the applicant three times.

Even if the credit card, mobile phone, and ID card are all in the hands of others, the interview will still be impossible, because the ID card photo will be compared with the person interviewing, and even face recognition will be performed. People themselves cannot pass the test.

The above is the relevant introduction to "Can someone else activate and use the credit card?", I hope it will be helpful to everyone.

Can others activate my credit card?

Generally, I am required to activate my own credit card, and others cannot activate your credit card if they do not know the information on the credit card secret letter. So, generally speaking, others cannot activate your credit card. If you want someone to activate your credit card for you, you need to have proof of entrustment. It is best to activate the credit card yourself, because a lot of information is generally required by yourself.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

If the Agricultural Bank of China credit card has been activated by someone else, can I see it in Mobile Banking?

Yes. As long as the Agricultural Bank of China credit card is bound to its own mobile banking, the two are in an associated relationship. After the card is activated, a message notification will pop up on the mobile mobile banking APP immediately.

The credit card I just applied for has been taken away by someone else. Can he use it?

If your credit card is swiped by signature, then your credit card will be found to be fraudulent. If your card swiping method is based on signature and password, then the other party will not be able to swipe the card successfully if they do not know your password. However, for the safety of the funds on your card, it is recommended that you call the customer service hotline of the credit card center to manually report the loss and apply for a replacement card.

1. If a credit card is lost, it must be replaced in time. The first thing is to call the bank’s customer service number and choose manual service to report the loss of your credit card. But this alone is not formal. After calling the phone to report the loss, you must go to the bank counter in time to formally report the loss, and you must bring your personal ID card. If you have also lost your ID card, bring your household registration book or other documents that can prove your identity. something. If you choose to replace your card, you will also have to pay a certain replacement fee.

2. For offline consumption, the loss of your credit card may not have much impact, because you need to enter your password to swipe your card at POS machines and ATM machines. As long as others do not know your password, Your password is not too simple, so you don’t have to worry about others trying to access the money from your credit card. And if the password is entered incorrectly multiple times, the credit card will be automatically locked so that others cannot use your credit card. But if you pay online, it may be more troublesome, because there are many websites that support payment with bank cards that have not been opened for online banking or even password-free payment. Just enter the reserved information of the credit card correctly. For example, if you lose your credit card and ID card, someone else may be able to use your credit card to pay online. Therefore, you must apply for a loss report as soon as your credit card is lost. However, before applying for a loss report and within 24 hours after reporting a loss, all financial burdens that occur must be borne by the cardholder himself, although this regulation is not very friendly. , but it is still necessary to report the loss in time to avoid major financial losses.

3. After applying for loss report, you can go to the bank to apply for a new bank card. There are two types of reissued credit cards. One is to reissue a new card, which means that the account number of the bank card will be changed and a new credit card will be given to you. If you choose this method of reissue, you will go to the bank card to apply for a reissue. A new bank card will be given to you on the spot. The other option is to choose not to change banks, which means they will cancel your last card and apply for a new one. In this case, you may need to wait for a while, usually 10 to 15 days. On the day the bank card arrives at the bank, the bank will call you to notify you to pick up the bank card. In short, you must keep your credit card properly. If you accidentally lose it, you must report the loss and replace it as soon as possible.

When a physical credit card is activated, will it be displayed as activated?

Yes, there will usually be a text message prompt when a credit card is activated.

Take the card and check it at an ATM or swipe it at the supermarket. If the credit card can be used normally, it means it has been activated. ATMs can self-check the card activation status.

There are many ways to activate a credit card after receiving it. Cardholders can activate online through the card issuer’s credit card exclusive APP, WeChat official account, online banking, customer service phone number, etc., providing your credit card, cardholder’s name, Just provide your ID number, mobile phone number and other information.

If my credit card has not been activated and is taken by others, can others use it?

The possibility is relatively low. There are two situations: 1. If you need to go to the bank to activate: If you need to go to the bank to activate, the possibility of being activated by others is very slim, because to go to the bank to activate, you generally need to bring the original second-generation ID card, credit card and application within the validity period. The mobile phone number reserved at the time can be activated in person and cannot be done on behalf of you. In this case, the possibility of being activated by others is very slim.

2. Self-service activation: If self-service activation is possible, others must hold the mobile phone number left by the applicant when applying for a credit card in order to receive the verification code. In addition, some banks also need to enter their ID number during self-service activation. In this case, as long as personal items such as mobile phones and ID cards are not taken away at the same time, the possibility of activation is slim.

That’s it for the introduction of credit card activation by others.