If the user goes to the bank counter to activate the credit card, the materials to be provided are a copy of the ID card and the front and back of the credit card. Users do not need to submit any materials to activate their credit cards through other channels. Credit card counter activation is also called credit card face to face. Usually, banks will ask users to activate their first credit cards in person after they apply for them through online channels. As for the old credit card users, they can activate their credit cards in various ways without going to the counter to activate them, which can save more time. If you apply for a card at the counter, you don't need to activate the credit card at the counter afterwards, but if you apply for a card online, you must go to the bank counter for the first time.
I. Precautions before and after credit card activation
1, before credit card activation
There are many ways to activate the first credit card, such as online banking, APP, WeChat official account, customer service phone number, bank counter and so on. You can choose the activation method of the first credit card processed offline. If the first credit card is applied online, you can only go to the bank in person.
The first card online application is activated at the bank outlet, mainly because the bank needs to go through the formalities of face-to-face signing. Therefore, in this case, we must ensure the smooth face-to-face signing: bring valid personal identity documents, credit cards, letters confirming the receipt of cards, additional financial certificates, etc. And answer the questions of the bank staff correctly and smoothly, generally there will be no problems.
2. After the credit card is activated.
There is a lot of important information on the front of the credit card. If it is stolen by a malicious person, it is easy to be stolen. Therefore, after the first card of a credit card is activated, the following precautions should be taken:
1) Sign the back of the credit card in time;
2) Modify the initial password, not too simple or too regular (avoid birthdays, anniversaries, etc. );
3) Cover the credit card security code on the back;
4) Keep in mind the date of credit card bill and repayment date to avoid overdue;
5) Ensure that the credit card small secret payment function is not turned on. If enabled, it is recommended to turn it off.
2. What do I need to activate my credit card at the bank?
First bring your credit card and ID card, and then fill out the application form for credit card activation. When the credit card is activated at the counter, the counter staff will ask the applicant to provide a copy of the ID card (one on the front and one on the back) and a copy of the credit card (one on the front and one on the back). Then fill in the application guarantee and signature date at the back of the credit card letter in advance, and you can activate the credit card as long as you follow the requirements of the counter staff.
What materials are needed to activate China Bank Credit Card?
If you are a new customer of our online application, you need to follow the activation steps on the card letter, and bring your original ID card, card letter and card to any branch of China Bank in the province or city you selected when applying. If you have our ETOKEN authentication tool, you can also use the ETOKEN authentication activation card through our online banking and mobile banking credit card activation functions. If you don't have tax return information in our bank, you need to go to our bank outlets or pay attention to the tax return supplementary documents of the official account of "China Bank Credit Card" WeChat before you can activate the card.
If you are an old customer of our bank, after receiving the card, you can call the 400 customer service hotline or activate the card directly through self-service channels such as colorful life APP. If you are an old customer of our bank or apply for a credit card by other means, you can apply through Bank of China Mobile Banking, "China Bank Credit Card" WeChat official account, Colorful Life APP and online banking. If activated through the customer service hotline 4006695566, you need to use a credit card to reserve your mobile phone number.
The above contents are for your reference. Please refer to the actual business regulations.
What information do I need for credit card activation?
In general, after applying for a credit card, you can activate it like this:
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.
3. Online activation: log on to the website of the Credit Card Center and activate online.
Data expansion
1. Find a credit card business person to apply.
This is a very common way to handle credit cards. Generally, a salesman will come to our door and ask us to fill in relevant information, including personal education, current work unit and telephone number, home address, contact telephone number of relatives, etc. Of course, some banks will not issue credit cards after application, and banks will have their own audit system. Whether to distribute it depends on your comprehensive strength.
2. Go directly to the bank to apply for a credit card.
If you go directly to the bank to apply for a credit card, there will be a special bank customer service staff to handle this business, but it is best to provide relevant financial proof. If it is an enterprise, it can hold relevant enterprise qualification certificates and financial certificates such as cars and houses, then the probability of issuance will be greater.
3. Apply for a credit card online
(1) Log in to the website of the credit card you want to apply for, fill in the relevant information, and someone at the bank will call you to check the fixed line. Generally, if you call, the chances of passing will be greater.
(2) Weibo Daren Credit Card Application
The prerequisite for applying for this credit card is that you are an expert in Sina Weibo. This is a credit card jointly operated by China Merchants Bank and Sina Weibo. Generally, you can click login to enter Sina Weibo, find "Weibo Credit Card" and fill in relevant information.
(3)QQ Caibei Credit Card
This is a credit card jointly launched by CITIC Bank and QQ. You can find the introduction of this credit card in QQ Caibei. You can fill it out according to its requirements and wait for the bank's review after filling it out.
Precautions:
It is best to fill in the credit card application information truthfully, and the bank will check the information later.
After the credit card is issued, please read your bill date and repayment date carefully so as to repay in time.
If you don't use a credit card, please don't activate it. Generally, credit cards have an annual fee. Some banks stipulate that credit cards must be spent a certain number of times a year in order to avoid annual fees.
What documents do I need to bring to open the online China Bank credit card?
If you are a new customer of China Bank's online application, you need to follow the activation steps on the card letter, and bring your original ID card, card letter and card to any branch of China Bank in the province or city you choose when you apply for the card. If you have the ETOKEN authentication tool of Bank of China, you can also use the ETOKEN authentication activation card through the mobile banking, online banking and credit card activation functions of Bank of China. If you don't have tax return information in BOC, you need to go to BOC outlets or pay attention to the supplementary tax return documents of the official account of "China Bank Credit Card" WeChat, and then activate the card. If you are an old customer of BOC, after receiving the card, you can activate the card directly through self-service channels such as colorful life APP or call 400 customer service hotline according to the card letter prompt.
The above contents are for your reference. Please refer to the actual business regulations.
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 a credit card
The credit card needs to be activated because the credit card sent by mail is inactive and cannot be used. If you want to use it, you need to activate it yourself.
The credit card was sent to the cardholder by registered mail, but I didn't set the password immediately on the way or after I received the credit card. So the card I just remembered is inactive and can't be used. I must activate it if I want to use it. The activation condition is of course the information filled in, and only the applicant knows what to fill in. This is also to ensure the safety of customers' funds. If it is not delivered to the applicant, the card will not be automatically activated and no annual fee will be charged.
I. Personal identification information is required to activate a credit card. You can activate your credit card in three ways:
1, online banking card, if there is an online banking shield, you can set the transaction cash withdrawal password together;
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2. The card opening and setting of the financial counter of outlets are confidential, and my ID card and credit card are required for handling;
3, telephone voice self-service card opening, of course, before activation, you will need to enter some personal information to ensure that it is the cardholder himself. If the information input is incorrect, it will be switched to manual card opening.
Second, the credit card annual fee rules
Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.
The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
The annual fee standard of credit card in different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
So much for the introduction of what is needed for credit card activation.