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 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 a credit card?
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 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.
How should a credit card be activated?
How to activate a credit card? What are the activation methods? I love kabianxiao's introduction on how to activate credit cards.
Since the card was mailed after the credit card application was approved, 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.
Telephone activated credit card
Take Bank of Communications as an example. When you receive the Bank of Communications credit card, you must activate it before you can use it. Here, the user is taught how to activate the mobile phone and set the transaction password.
China Merchants Bank credit card customer service phone activation process is as follows.
(1) Call the 24-hour customer service hotline displayed on the back of the credit card. After selecting the corresponding language, please enter the cardholder password and inquiry password.
(2) According to the voice prompt, select the card activation option under the menu of "Credit Card Activation and Password Management".
(3) Enter the last 3 digits printed after the signature column on the back of the cardholder's credit card, and press # to confirm.
(4) Enter the cardholder's home phone number and press # to confirm.
(5) Enter 6 digits as the cardholder's transaction password and press # to confirm.
(6) Enter the 6-digit transaction password again and press # to confirm.
(7) The transaction password is set successfully.
Activate credit card online
Take Bank of Communications as an example to tell you how to activate your credit card through the Internet.
(1) First log on to the credit card online banking page of Bank of Communications and enter the cardholder password.
(2) Please modify your query password in time after logging in.
(3) After the initial password of your credit card is successfully modified, please log in to online banking again.
(4) After logging in for the second time, please click "Credit Card Activation" and enter the last 3 digits printed in the signature column on the back of the credit card and your home phone number according to the page prompts.
(5) After successful activation, enter 6 digits as your transaction password according to the prompt.
(6) If you don't check the "password confirmation transaction" function on the application form, you can change the transaction mode to password signature after setting.
So much for the introduction of how to activate the credit card after receiving it.