It won't take long. After you get the credit card, it will be activated soon, and you can use it after activation.

There are four ways to activate a credit card:

1, go to the outlet counter to activate, and you need my ID card and credit card when handling;

2, online banking card, if there is online banking, you can set the transaction cash withdrawal password together;

3, telephone voice self-service card opening, of course, before activation, you will need to enter some personal information to ensure that it is the cardholder himself. If the information input is incorrect, it will be switched to manual card opening.

4. SMS activation.

Credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Credit card is a non-cash transaction payment method and a simple credit service; Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit card refers to the credit payment tools issued by commercial banks in People's Republic of China (PRC) (including foreign banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and units.

Measures for the Administration of Credit Card Business Article 3 The term "credit card" as mentioned in these Measures refers to the credit payment instruments issued by commercial banks in People's Republic of China (PRC) (including foreign banks and Sino-foreign joint venture banks, hereinafter referred to as commercial banks) to individuals and units. Credit card has the functions of transfer settlement, cash deposit and withdrawal, consumer credit and so on.

Credit card, also known as debit card, is a credit payment tool with a certain overdraft limit issued by cardholders according to their credit status. With overdraft function, the cardholder must "use it first and then pay it back" within the approved credit limit.

You can activate it directly in the business hall or in other ways:

1. Telephone activation You can dial the self-service voice menu of the 24-hour service hotline of the bank credit card, select card activation, activate the card according to the prompt information and set the password.

2. To activate online banking, you can log in to the bank credit card official website and click Online to activate the credit card function. Enter the ID number and activate the card.

Third, SMS activation: according to the prompt in the credit card letter, activate SMS operation.

Fourth, WeChat activation: Pay attention to the official WeChat account, a bank credit card, and activate the credit card online. Tips: After successfully activating the card, it is recommended to call the customer service hotline to set the transaction password and inquiry password to ensure the normal use of the card.

For credit card overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

The credit card has been activated for several months at the latest.

Credit card activation is generally valid for three years, but each card is not necessarily the same. Can be activated within the validity period of the credit card.

1. For inactive credit cards, banks have different charging standards and management regulations, but most credit cards have to be charged according to a certain period. Some banks stipulate that the annual fee should be charged according to the prescribed standards regardless of whether it is activated or not, and some banks stipulate that the annual fee can be exempted if the credit card consumption reaches a certain number of times.

2. Because each credit card has a production cost, a credit card account has been generated since the successful application of the consumer, and the bank has to pay the cost of data processing and information maintenance, so it charges an annual credit card fee. Even if the card is not activated, there will still be expenses, which will be recorded in the cardholder's account in the form of arrears.

Extended data:

Disadvantages of credit card products:

1. Credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained.

2. The annual interest rate of credit card is as high as 18%, which is true and can make the borrower lose blood quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid of opening mailboxes or emails.

4. If the credit is not good, the cost of borrowing money is higher, or even you can't borrow money.

5. Credit card provides a kind of choice to support debt by debt and quench thirst by drinking poison, which leads to debt out of control.

6. Short-term preferential interest rates are not worth the loss. A certain proportion of people will turn emergency financing into long-term debt. Therefore, don't be tempted by short-term low interest rates to make unnecessary loans.

7. Excessive personal credit limit is not only evidence of good credit (repayment record is), but also a risk in the eyes of financiers, which may push up the loan interest rate.

8. Gifts in the reward program are often gray in the room. Instead of spending money on gifts, it is better to save money directly.