Can the Bank of China credit card be activated if the card is not received?

The Bank of China credit card can be activated if the card is not received. At this time, as long as the user knows, he can choose to activate. However, it is best for users to activate it after receiving the credit card to avoid unnecessary losses to themselves. Because after activation, the credit card can be used for consumption without the transaction password. You only need to know the validity period and security code.

You can choose different methods for Bank of China credit card activation, such as bank counter, SMS activation, customer service phone, etc. During activation, the cardholder is required to set a transaction password and query password. After activation, users can use their credit cards to make purchases, but they need to repay on time on the repayment date.

Bank of China Credit Card Mobile Activation Process:

1. Open WeChat and follow the Bank of China Credit Card official account.

2. Click My Account.

3. The page will pop up with options, click Activate, and follow the prompts.

Never be overdue when repaying a credit card, because overdue repayment will generate penalty interest. The longer the time, the more penalty interest will be generated. Moreover, the bank will collect money after overdue repayment, which will have a negative impact on the normal life of the individual. It should be noted that late repayment will affect personal credit, and bad credit will affect various loan applications.

In fact, when a credit card cannot be repaid on time, users can use the installment repayment provided by the bank. At this time, the cardholder can choose different installments to repay the credit card debt according to his income. The handling fees are different, but they can be returned in advance later to save interest expenses.

Version information: Take WeChat version 8.0.20, Apple 13 (IOS15.4.1 system), and Huawei mate40 (HarmonyOS2 system) as examples.

The application for a credit card has been approved, but the card has not been received. Can I activate it?

In this case, activation is not possible. You need to go to the counter to activate after receiving the card, or you have done this before. Credit cards from many banks can be activated directly by phone, but all require the information on the back of the credit card. The credit card was approved and it was ready to be shipped within a week.

The difference between a savings card and a credit card:

1. Different roles and functions:

(1) Savings card: The main function is to save deposits, and the cardholder Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, functions such as card consumption, ATM cash withdrawals, transfers, and various types of payment can be realized. Expenses paid through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero.

(2) Credit card: Credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Application methods are different:

(1) Debit card: With your valid ID, go to any bank branch to apply. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.

(2) Credit card: The application method is generally by filling in a credit card application form and submitting certain copies of documents and certificates to the card issuing bank. After receiving the application form and relevant materials from the applicant, the card-issuing bank will review the applicant's creditworthiness. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank.

3. Different categories:

(1) Debit cards are divided into two types: magnetic stripe and chip.

(2) 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 A credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

4. Different conditions of use:

(1) Savings cards require deposits before consumption can be made.

(2) Credit card can be used for overdraft consumption without deposit, and can enjoy an interest-free period of 20-56 days. If you repay on time, you will not be charged any interest (most banks will charge 50,000 cents on the day of cash withdrawal). interest, and a handling fee of 2).

Can I activate the Bank of Jiangsu credit card before I receive it?

No.

A credit card needs to be received before activation.

The activation method is as follows:

1. Activation through the counter of the bank where the credit card is located, requiring personal presence and the original ID card and credit card;

2. Phone card Call the credit card service phone number on the page to activate;

3. Log in to the credit card online banking and activate online.

Can I go to the bank to activate my Guangfa Bank credit card if I don’t have it?

There is no way to activate the card before it arrives. If you don’t know how to activate it yourself, you can also go to a bank branch and ask bank staff to help activate it.

Guangfa Bank credit card activation method/steps

Operating environment: Apple 12ios14 WeChat/Guangfa Bank app/Guangfa Bank credit card official website

1. Telephone activation

Use a registered credit card mobile phone to dial 95508 or 400-830-8003. If the credit card is a platinum card, you can call the VIP hotline 40082-95508 and follow the self-service prompt to activate the credit card. Enter your ID number or pass identity verification; select "Application Progress, Activation Card and Password", enter the personal information reserved when applying for a credit card; activate the credit card.

2. SMS activation

Please use the mobile phone number when registering, edit the text message: the last four digits of the KTK ID number, the last three digits of the signature field on the back of the card, and send it to 95508.

To activate two cards in the newly issued card set (excluding virtual cards) with one click, edit the text message: KQK, the last four digits of the ID number, and send it to 95508.

Note: No need to enter "", for example: KTK88882222123.

3. Counter activation

For cardholders who have successfully applied for a credit card online, the fastest way is to bring their ID card and card to the bank counter of the local Guangfa branch. Open the card directly. If you apply for Guangfa Bank credit card through other channels, you can also choose this method to activate the credit card.

4. WeChat Activation

Follow the "Guangfa Credit Card" official account on WeChat, click "Apply Card·Use Card---Apply Card·Activate·Set Password" below, and a dialog will pop up Select "One-click activation" in the box and enter as prompted to activate the credit card.

5. Mobile app activation

Install the "Discover Wonderful" app on your mobile phone, click "My --- Card Activation" after logging in, and enter according to the prompts to activate the credit card.

6. Web page activation method

Enter the official website of Guangfa Credit Card. After logging in, click "Credit Card---Card Management---Credit Card Activation" on the left side of the official website, which is required. , enter according to the prompts to activate the credit card.

7. Activation by reply letter

Carefully read the content of the Guangfa Bank credit card opening letter, and reply with your relevant information according to the return address provided in the card opening letter to activate the credit card.

This is the end of the introduction about can I activate my credit card before it arrives and how to activate it if my credit card doesn’t arrive. I wonder if you found the information you need?