I can't get my credit card

Why can't I get the SMS from Bank of Communications

Maybe you didn't start the SMS service, so you didn't remind me.

The SMS reminder service of credit card can be opened as follows:

Opening process of bank counter:

1. Bring valid ID and bank card to local bank outlets;

2. Fill in an application form for business handling, select "SMS Reminder" in the column for business handling, and attach the commonly used mobile phone number to be bound for receiving SMS;

3. Submit bank card, original ID card and business application form;

4. Enter the mobile phone number and verification code as required;

5. you can start the SMS reminder service.

Mobile phone opening:

1. Dial (customer service phone number of the bank) and the bank will manually handle the signing of the mobile phone messenger;

2. provide the bank according to the prompt, and you can open it with appropriate identity information.

note: SMS reminder is a paid service. Generally, it is valid for one year once it is launched, and the service fee is 2 yuan per month, which is deducted every month. After one year, you need to apply for this service again before you can continue to use it. If online banking is opened, you can renew your business in online banking.

Extended information

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy themselves, are more willing to struggle, and sometimes have the need to study, do business, investigate or travel abroad.

Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. " Pacific Credit Card of Bank of Communications is a credit card product created by Bank of Communications with the introduction of advanced technology and management from HSBC. It combines the advantages of both the global and the local, advocates a brand-new consumption culture and card experience with the theme of "China people's global card", and provides preferential treatment and intimate service all over the world.

This card captures the dual advantages of Bank of Communications and HSBC: Bank of Communications has more than 2,6 branches in more than 13 cities in China; As well as the Mianmi banking network system of HSBC, the second largest financial institution in the world, make this "China people's global card" shine brilliantly and bring a unique card experience. The cooperation between the two banks has also set an example for the development of international cooperation in China's banking industry.

what should I do if the credit card of China Bank has not been received?

How to handle the non-receipt of China Bank's credit card:

Bank of China's credit card will be sent by express mail, and the mailing time will be about 3-5 working days from the date of sending the card. If you haven't received the card for a long time, you can call the customer service hotline of Bank of China at 46695566 for manual work, and the staff of Bank of China will further assist you in verification. I wish you a happy life!

the above contents are for your reference. please refer to the actual business regulations.

why can't I receive the credit card message?

The reasons why you can't receive the SMS during consumption may be: the transaction amount is lower than the amount of the sending starting point set by the branch or yourself; The service of SMS notification is in arrears, and it is necessary to pay the arrears.

or the mobile account SMS with agreed repayment by credit card or loan repayment is sent in batches, and the sending may be delayed; Error in registering the mobile phone number when opening; The operator has a network failure, the mobile phone number has been blocked, or it was not in the service area at that time.

In case of abnormal SMS reception, the following methods can be adopted:

(1) Please clear the inbox of SMS, delete the intercepted software, and restart it after 1 minutes of shutdown;

(2) If the mobile phone cannot be received after the operation, you can put the mobile phone card in other mobile phones to rule out whether it is abnormal;

(3) If you have opened the bank account or online banking at the counter, you can cancel the contract by "All-Assistant-SMS Notification-Maintenance/Cancellation" or "Certificate Login-Security-Message Service" of online banking, and then re-sign the contract;

(4) If it is unsuccessful or not opened, the householder can cancel and reopen at any branch of the Agricultural Bank of China with his valid ID card and registered account (debit card or quasi-credit card), and the passbook for current settlement can be handled at any branch of the first-tier branch where the bank is located.

There are differences between a credit card and a debit card. The following are the differences between the two cards:

1. A credit card is a consumer credit product, which is used after consumption, while a debit card is used after deposit;

2. Credit cards can be overdrawn, while debit cards cannot be overdrawn;

3. Credit cards have revolving credit lines, while debit cards don't (revolving credit refers to the credit lines approved by the bank for cardholders to use, and the debts used by cardholders within the credit lines don't need to be repaid in full, only the specified minimum repayment amount is needed to maintain a good credit record, and the credit lines of cardholders can be used repeatedly);

4. If the credit card holder needs to repay in full before the final repayment date, the shopping consumption may enjoy an interest-free repayment period;

5. Credit card deposits do not bear interest, while debit card deposits bear interest according to the savings rate;

6. Credit card belongs to asset business, while debit card belongs to liability business;

7. Credit card issuance needs to meet the relevant conditions (such as the situation of the work unit, the assessment of repayment ability and the evaluation of personal credit records, etc.), while debit cards only need to have ID cards;

8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo.

Is it dangerous if the credit card is not received?

Generally, there is no danger if the credit card is not received. Under normal circumstances, the credit card can only be opened with the ID number and the mobile phone that handled the credit card at that time, so even if you get the card, you can't open it. If you don't receive the credit card after sending it, just call the customer service phone of the credit card center to apply for a reissue.

1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

second, the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Specification for English Translation and Writing in the Field of Public Service was officially implemented.

3. 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 spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

IV. Application

The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

5. Generally, the application method is to fill in a credit card application form, which generally includes the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

VI. The application forms are attached with a credit card use contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., and must have the applicant's autograph.

what should I do if the bank sends a credit card but I don't receive it?

Many people have applied for a credit card now, because the credit card can be used first and then repaid, which is very convenient for users. If you want to use a credit card, you have to apply first. However, some people are processing credit cards, and the bank has sent them, but they have not received them. So, what if the bank sent a credit card and I didn't receive it? How should we deal with this problem? Let's take a look.

credit card

I haven't received the credit card at the bank. I suggest calling the bank's customer service phone to find out why. If the credit card application is successful, the bank will generally send the credit card within 2-3 weeks after receiving the credit card application materials. When you know that the card issuance has been approved, please always check whether there is a registration notice in the mailbox or ask the mailroom whether to sign for it.

under normal circumstances, after the bank sends a credit card, it will basically be sent to the customer. If you haven't received it, you can check whether the receiving address is correct first. After confirmation, if you haven't received the credit card for a long time, please call the customer service hotline immediately. Remind everyone that after using the credit card, you should remember to repay the loan according to the time limit, otherwise it will affect the credit information, and the consequences will be very serious.

This is the end of the introduction about credit card failure and how to handle it. Did you find the information you need?