Can I activate the credit card if there is a problem with the credit information?
In fact, the key to this problem is that there are usually two situations, one is to check and the other is not to check.
1, check credit:
Generally speaking, online applications are signed after issuing cards. Although I got the credit card, I need to go to face-to-face to activate it. Some banks, such as CITIC, Minsheng and Xingye, encounter loose banks, bring your card and valid ID card to the bank outlets, and the teller will ask a few questions after verifying the ID card. If the answer is correct, you can basically pass the interview, and you will be activated without checking the credit.
But if you run into China Everbright Bank, it will be more troublesome. After the face-to-face signing, you need a second review, and you will probably check the credit. If there is a problem with the credit information, the interview will be rejected, and naturally the credit card will not be activated smoothly. The application will be invalid.
2. Do not check credit information:
Generally speaking, if you sign online first and then issue the card, you can generally issue the card smoothly, indicating that the face-to-face signing has passed, and the cardholder can choose the activation method at will, so he will not check the credit, even if there is a credit problem.
However, after the credit card is activated, the bank will conduct post-loan management from time to time to eliminate the risk of using the card. If the cardholder has a big credit problem, in order to avoid risks, the credit card is likely to be downgraded or closed. So if you want to use the card for a long time, it is recommended to maintain good credit.