How to activate a new 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 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 for the first time?

Many friends who apply for a card for the first time don't know what to do after getting a credit card. Generally speaking, you must activate your credit card to use it. The following is an introduction to how to activate and use credit cards.

I. Credit card activation

The first time you use a credit card, you must activate it. Any inactive credit card cannot be used. There are many ways to activate a credit card. If you don't know how to activate it, you can refer to the following three ways:

1. Deactivation: This activation method is simple. Generally, you need to bring a valid ID card and credit card to the issuing bank's business outlets. Some banks stipulate that you can only apply for a credit card online in this way. Generally, you will be informed of the relevant documents you need to bring by SMS.

2. Online activation: There are many ways to activate credit cards online. You can pay attention to the activation of the official WeChat account of the issuing bank, or you can activate it in the credit card official website of the issuing bank.

3. Telephone activation: Generally, you need to dial the 24-hour service hotline on the back of the credit card, and then open the card by yourself according to the voice prompt. If not, you can transfer to manual service, and ask customer service to help open the card.

Second, the use of credit cards.

The use of credit cards includes many aspects, such as credit card consumption, online payment, repayment, and handling various businesses, such as bill installment and cash withdrawal. You must have a general understanding of the use of credit cards when you apply for a card for the first time.

1, Credit card consumption: Credit card can be used as a payment tool and can be directly consumed through the credit card POS machine installed by the merchant.

2. Online payment: Online payment by credit card is very simple. For example, if you want to shop in Taobao, you can choose a good product and click the payment method. Enter credit card, three-digit security code and SMS verification code to pay.

3. Repayment: If you use a credit card to overdraw your consumption, you must repay it on time, otherwise it will affect your credit history. There are many ways to repay by credit card. You can repay through mobile banking or a third-party payment platform (such as Alipay).

How to activate a credit card

First, activate the bank credit card by replying to the card opening letter.

Read the contents of the bank credit card opening letter carefully, reply to your relevant information according to the return address provided in the card opening letter, and activate the credit card.

Second, activate the credit card through the bank business hall.

Cardholders who successfully apply for a credit card online can activate their credit cards without replying to the confirmation letter. The quickest way is to take their ID cards and cards to the local branch. Branches in cities above the second level have card departments, which can directly open cards. Bank credit cards applied through other channels can also choose this method of activating credit cards.

The specific steps include:

Apply verbally to the bank staff to activate the credit card-the staff asks you to show your card and ID card-a copy of your ID card is submitted to Guangfa Bank-and activate the credit card. Wait a few minutes, and then receive a text message confirming the activation of the credit card.

Third, activate the credit card through the bank credit card customer service phone.

Legal basis: Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 57, paragraph 2

When the issuing bank receives the repayment from the cardholder, it will repay all the debts in its credit card account in the following order: if it is overdue for 1-90 days (inclusive), it will repay the interest or expenses first and then the principal; If the overdue period exceeds 9 1 day, the principal shall be repaid first, and then the interest or various expenses shall be repaid.

How to activate a credit card for the first time?

The first time you apply for a card, it doesn't mean that you can use it after you get it, but you must activate it before you can use it. Each bank has different activation methods and requirements. Some require to apply for a credit card for the first time, but they must go to the bank to activate it, but they don't have to. Below, I will introduce several methods of credit activation to you.

1. How to activate the credit card for the first time?

1, official website activated:

Cardholders can log in to official website, the issuing bank of your credit card. After logging in, find the corresponding activation page and activate according to the prompt. It should be noted that to activate the card online, you need to use your mobile phone number reserved in the bank to receive the dynamic verification code.

2. Customer service telephone number:

You can call the customer service phone number of the credit card issuer or the national customer service phone number, follow the self-service voice prompts, or switch to manual service, and ask the customer service to help activate.

3. Bank activation:

Cardholders can also bring their credit cards and ID cards to the nearby bank business hall and ask the staff to help you activate the cards.

2. What if the credit card activation fails?

There are many reasons for the failure of credit card activation. Only by finding the cause of failure can activation be successful. If you really don't know why it failed, I suggest you go directly to the bank to activate it.

Remind everyone that when activating a credit card, it is best to call the credit card service hotline with the phone reserved when you first apply for the card, and do a good job in activating the credit card.

That's enough about how to activate a new credit card.