How to activate a credit card

This time, taking the Bank of China credit card as an example, activate it in the WeChat official account:

1. First, we open WeChat and click Search logo in the upper right corner.

2. Enter "Bank of China Credit Card" in the input box, and then click on the Bank of China Credit Card that appears below.

3. Next, we click on the Bank of China Credit Card Official Account.

4. Click on the public account in the pop-up interface.

5. Go to the official account homepage, click on the first tab on the left in the tab bar at the bottom of the homepage, My Account.

6. Among the multiple options that pop up, click Activate_More at the bottom.

7. Click on the card activation button at the top of the new message box.

8. Finally, in the page that opens, enter your credit, ID number, mobile phone number and other identity information, and click Activate to complete the card opening operation.

How to activate a credit card?

Generally, after applying for a credit card, there are the following methods:

1. Activation at a branch: Bring your ID card to the bank counter to activate.

2. Telephone activation: Call the customer service number on the back of your credit card to activate, and follow the customer service prompts to activate.

3. Online activation: Log in to the credit card center website. Each bank has different websites, but the activation steps are roughly the same.

The reason why credit card activation is required: Because credit cards are basically delivered to applicants by registered mail. In order to avoid being mailed to the wrong address or the credit card being stolen during the mailing process, the bank requires Credit cards must be activated before swiping the card for consumption. During activation, the cardholder is required to provide personal information, such as birthday, ID number, etc. for verification.

For the safety of cardholders, the card is not activated before mailing. This is because even if it is mailed by mistake or someone else does not know your personal information, it will not be activated, and naturally you will not be able to use the card for consumption.

Extended information:

What will happen if the credit card is activated but not consumed?

Not consuming after the credit card is activated will not cause too big a problem. However, the bank will deduct the annual fee from the card limit later. Customers must remember to repay the loan on time, otherwise it will cause overdue payment and then the card will be overdue. It will have a negative impact and your personal credit will be damaged as a result.

Of course, if the annual fee of the customer's card is directly waived, then naturally there is no need to worry about the annual fee. After that, just pay attention to keeping the card to avoid information leakage and security risks.

Everyone needs to note that in fact, many ordinary and gold-level cards can be used to waive annual fees, so customers can use the card to make purchases a few times a year, as long as they reach the specified number, then the annual fee will be waived, and customers No more repayments. In the past, credit card purchases only had to be paid off on time before the repayment date (inclusive), and customers only had to repay the principal of the purchase without accruing interest.

If the customer only applies for a card for collection and does not use the card for consumption, it is recommended that the customer choose a card that directly waives the annual fee. If you apply for a high-level card such as a platinum card or a diamond card, the card will be overdue if you fail to repay it when the repayment date comes due to a hard annual fee.

How to activate a credit card

Generally, after applying for a credit card, there are several ways to activate it, such as branch activation, online activation, and phone activation.

Branch activation: Bring your ID card to the bank counter to activate.

Telephone activation: Call the customer service number on the back of your credit card to activate. Activate according to customer service prompts.

Online activation: Log in to the credit card center website. Each bank has different websites, but the activation steps are roughly the same. For example, with Everbright Credit Card, log in to the Everbright Bank Credit Card Center online and directly select the "Online Activation" option to activate the credit card.

Credit card activation process, taking ICBC as an example:

1. Bank branch activation

Card holders bring their valid ID documents and their own credit cards to the local The card is issued at the counter of an ICBC branch. If the card is collected at the local ICBC Credit Card Center, the card can be issued on the spot. Bank staff will guide you when opening a card at the counter. The process is very simple. Just fill in the form and submit the information to the staff. If you forget to bring the password letter when you go to a business outlet, you can reset the password before opening the card, and then activate the card.

2. Bank credit card customer service hotline activation

When we apply for a credit card, we usually reserve a mobile phone number. We use the mobile phone number reserved by the bank to access the ICBC customer service hotline to open the card. Dial: 95588 and dial "6" for international card services. Select the required service language according to the voice prompts and press "3" to enter ICBC credit card services. Then press "2" to enter "Card Activation". Follow the voice prompts to enter personal information such as credit card and ID number. After completing identity verification, the card can be successfully opened. After opening the card, you can set a consumption password.

3. Online banking activation

The cardholder logs into personal online banking from the official website of ICBC, and then can see "Peony Card Activation" under "Bank Card Services" and click Enter. Then enter your credit card, card validity period, name, ID number and other relevant information and click the Confirm button. Finally, set the credit card password and confirm to complete the ICBC credit card opening.

How to activate a credit card?

When you apply for a new card with China Merchants Bank Credit Card for the first time or change your existing card, you must receive the card and activate it within the validity period of the card. The card can be used immediately after the card is successfully opened and signed on the back of the card (the signature must be with the application form) The signatures on them are consistent). Card opening can be done through the following channels:

1. Telephone manual: You can call the credit card customer service hotline and select 3#-1-3 to switch to manual or 4# voice card opening.

2. Mobile banking: After logging in to mobile banking, select "My → All → Credit Cards → Settings Management → Card Management → Credit Card Opening" (Applying for a credit card for the first time: Select "My → All → Credit Cards → Apply for a credit card→Open a card.)

3. Online banking: After logging into online banking (Public Edition or Professional Edition), click "Credit Card→Card Management→Credit Card Opening" and enter the information to open the card.

Warm reminder: This channel does not support opening new credit card accounts.

4. Palm Life: After logging in to Palm Life, select "My → Card Manager → One-click Card Opening" and enter the information according to the page prompts to apply for card opening.

Warm reminder: To open a card for a new account, you can download and register Palm Life, and follow the prompts to open a card.

5. Credit card official website: Log in to the homepage of the credit card official website (click here to enter the web link), select "Card Opening (New Card Activation)" and enter relevant information to open the card.