The way to activate a new credit card is as follows:
1, go to the bank outlet counter to activate: just go to the bank counter with your ID card and credit card to activate.
2. Customer service phone activation:
(1). Call the 24-hour customer service hotline displayed on the back of the credit card and enter the cardholder password and inquiry password;
(2) According to the voice prompt, select the credit card to be activated.
3. Online activation:
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(1). First log in to the online banking page of the credit card of the issuing bank and enter the cardholder's password.
(2) Find the "Credit Card Activation" page, enter the reserved phone number and other verification information according to the page prompts, and activate the credit card after verification.
First, the opening of credit cards.
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
Second, credit card identification.
The credit card has at least the following information on its surface:
Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.
Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).
How to activate a credit card?
In general, after applying for a credit card, there are the following ways:
1, network activation: bring my ID card to the bank counter to activate.
2. Telephone activation: Call the customer service phone on the back of the credit card to activate, and follow the customer service prompts to activate.
3. Online activation: log on to the website of Credit Card Center. Each bank's website is different, but the activation steps are roughly the same.
Reasons why credit cards need to be activated: Because credit cards are basically sent to applicants by registered mail, in order to avoid mailing to the wrong address or the credit card being seized in the process of mailing, the bank requires that the credit card must be activated before consumption, and the cardholder needs to provide personal information, such as birthday and ID number, for verification.
For the cardholder's safety, don't open the card before mailing, so even if the mailing is wrong or damaged, others can't activate your personal information, and naturally you can't use the card.
Extended data:
What will happen if the credit card is activated without spending?
It won't be a big problem not to spend money after the credit card is activated, but after the bank deducts the annual fee from the credit card limit, the customer must remember to repay it on time, otherwise it will be overdue, which will bring adverse effects and damage personal credit.
Of course, if the customer's card is directly free of the annual fee, then naturally there is no need to worry about the annual fee, and then just keep the card well to avoid information leakage and security risks.
What you need to pay attention to is that in fact, many ordinary cards and gold cards are exempt from annual fees, so customers can swipe their cards several times a year, as long as they reach the prescribed number of times. There will be no annual fee at that time, and customers will not have to repay. In the past, as long as the credit card consumption was paid off on time before the repayment date (inclusive), the customer only needed to repay the consumption principal without generating interest.
Moreover, if customers only apply for cards for collection, not for credit card consumption, it is recommended that customers choose cards that are directly free of annual fees. If you apply for high-grade cards such as Platinum Card and Diamond Card, the customer will not be able to activate them because of the hard annual fee, otherwise they will be overdue on the repayment date.
How to activate a credit card can be done in the following ways.
Nowadays, many people will apply for credit cards. Whether shopping online or spending offline, they can use credit cards for settlement, which is very convenient. The new credit card needs to be activated before it can be used, so how to activate the bank credit card? What happens if it is not activated? Let's take a look.
How to activate a bank credit card
1. outlet activation: cardholders can bring their ID cards and credit cards to the outlet of the issuing bank, apply to the staff for activating the credit card, and then fill out the form and submit the information to the staff, which can be activated after approval.
2. Customer service phone activation: The cardholder can call the customer service phone of the credit card center, and then switch to manual service according to the prompts, and then apply for an activation card from the staff, providing personal information such as credit card and ID number. After completing the identity verification, the activation is successful.
3. Online banking activation: the cardholder can log in to the issuing bank online banking to activate the credit card. Take ICBC's credit card as an example. After logging in to ICBC's personal online banking, select "Peony Card Activation" in the personal account "Bank Card Service", click to enter the interface, then enter your credit card, card expiration date, name and ID number as prompted, and click "OK" to activate ICBC's credit card.
What happens if the credit card is not activated?
1. If the credit card is not activated after processing, it will not be automatically cancelled. Credit cards are not valid until they are valid.
2. Generally, the validity period of credit card is marked on the card. If the credit card is not activated, it will have a certain impact on the re-application of the credit card in the future, which is likely to increase the difficulty of applying for the credit card.
3, because if your credit card is the kind that does not activate the annual fee, it is likely to be overdue, thus affecting personal credit information.
Therefore, in general, users should activate the credit card as soon as possible after receiving the credit card from the bank. If the user doesn't want to use the credit card, then cancel it. Please refer to the above for the activation method of credit card, but in general, it is recommended that you activate it online.
How to activate after getting a credit card?
In general, after applying for a credit card, there are several activation methods:
1, network activation: bring my ID card to the bank counter to activate.
2. Phone activation: Call the customer service phone on the back of the credit card to activate. Activate according to customer service prompts.
3. Online activation: log on to the website of Credit Card Center. Each bank's website is different, but the activation steps are roughly the same. For example, Everbright Credit Card can be activated by logging into the Credit Card Center of Everbright Bank online and directly selecting the "Online Activation" option.
This concludes the introduction of how to activate the credit card and how to activate the credit card suddenly. I wonder if you have found the information you need?