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 open a credit card
In general, after applying for a credit card, you can activate the card opening in the following ways:
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 in to the credit card center website to activate. Each bank's website is different, but the activation steps are roughly the same.
How to activate a credit card?
If you want to activate the credit card, customers can mainly adopt the following methods:
1. Call the service hotline of the issuing bank and apply for card opening directly from the customer service staff. Customer service personnel will naturally help open the card after verifying the customer's identity information. Of course, customers can also activate their own cards according to voice prompts.
2. Find the card you applied for in the credit card interface of the issuer's online banking/mobile banking client/credit card app, select the activation option to operate online, and submit the card opening application after password verification.
3. Bring your personal ID card and credit card to the offline business outlets of the issuing bank near your place of work, and go to the counter to find the staff to handle the card opening procedures.
It should be noted that if it is the first time to apply for a bank's credit card online, you generally need to go to the outlet to activate it. If not, then after the customer gets the card mailed by the bank, he can activate it by himself in the first two ways mentioned above, and there is no need to go to the outlet for face-to-face signing.
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How to open a credit card
There are three ways:
1. Call customer service.
2. Open online banking.
3. The counters of local outlets are open.
If you want to apply for a CMB credit card, you need to be 65,438+08-60 years old. If you can provide your ID card (temporary id card needs a copy of the second-generation temporary id card and household registration book with a validity period of more than 3 months), work certificate and income proof materials, you can try to apply. If you need to attach a copy of the driving license to apply for a car card, if the local branch has clear regulations, the regulations of the local branch shall prevail. Subject to the final audit result of the credit card.
You can log on to the credit card website, select "Credit Card Application"-"New Customer Application Channel" and apply through the online banking reservation platform of "Easy Reservation, On-site Handling". You can fill in the simple reservation information online and wait for the bank's approval. If it is approved, we will conduct a preliminary examination first. If you pass the preliminary examination, there will be two subsequent card processing processes. One is that if you pass the preliminary examination, a card clerk will contact you to collect it. The other is that you will receive a short message from our bank, asking you to sign at the outlet to confirm your application, or send you a card directly. You can sign the activation card at the counter. The details shall be subject to the notice of our bank after the first trial is passed.
If you have a card to activate, there are four common channels for card self-activation:
1. Log in to the credit card website, click "Open Card (New Card Activation)" on the right, and follow the prompts.
2. Pocket Life APP selection-full card management-one-click card opening. You can also open the card according to the prompt input information.
3. WeChat pays attention to "China Merchants Bank Credit Card" and follows the prompts after clicking on the card opening progress.
4. Call 4008205555-4# to open the card-just follow the prompts.
Warm reminder: please sign on the back of the card, which is consistent with the signature on the application form.
If the card has been issued, you need to go to any counter of China Merchants Bank for face-to-face signing after receiving the SMS, and you need to activate the face-to-face signing at the counter. Please bring your face-to-face SMS, original ID card and credit card to any counter of China Merchants Bank for face-to-face signing.
Conditions for handling credit cards:
First: proof of income. Applicants are required to fill in the name of the company, as well as the monthly salary and work. This demand is real, because the bank will confirm whether the applicant has enough repayment ability according to the income.
Second: credit report. Personal credit information should be good. If there are overdue or unpaid debts, then the application will be more difficult to pass. Credit investigation is also a measure of the applicant's credit, which will largely determine the success rate of the application.
Third: identification. The applicant must be an adult aged 18, and must provide true and valid certificates. Such as: ID card, passport, military officer's card and so on.
The bank will verify and evaluate the applicant according to the above three conditions, and because everyone's situation is different, the credit card amount applied for is also different. If the comprehensive conditions are better, the credit card limit will be higher.
This concludes the introduction of how to open a credit card and how to activate it. I wonder if you have found the information you need?