10 Things To Do After Getting The Credit Card
As banks offer more powerful cash back and credit card benefits, more and more people apply for credit cards. After receiving the card from the bank, what should I do to facilitate daily use and protect the security of the credit card account?
1. Check the information on the card
After receiving the credit card sent by the bank, please check the card information on time, especially the name. Common name problems are:
• misspelled
• Additional space without reason
• First and last names are reversed
In the event of a problem, it is recommended that you immediately call the bank telephone behind the card to request updated information and return the card.
2. Activation
After confirming that the personal information is correct, activate the new credit card received as soon as possible.
The bank will indicate the activation method on the letter sent. Common activation methods are:
• Call
• online
In addition to the new card, it is necessary to activate and use it when changing your credit card.
3. Register an account online
With the advancement of information technology, many things that used to be done at the bank counter can now be solved through cell phones or computers. To take advantage of convenient online banking, you must first register for an online account.
The registration process for different banks is similar, you just need to register on the bank's official website. After registering an account, remember the name and password of the account and keep them correctly.
4. Check the personal information of the online account
After creating an online account, you need to verify that your personal information is correct, including your name, address, birthday and contact information, so you don't miss important banking information.
Some banks must provide proof of modification of their personal information. It is recommended to call the bank behind the card for more details.
5. Open the account alert
The credit card is afraid of being stolen, even more afraid of being stolen and is not yet known.
Opening a consumption alert on your online account will help you understand the status of your credit card in good time. Common alerting methods are:
• email alert
• SMS elert
• Mobile application push alert
The common content of the alerts is as follows:
• consumption
• Individual consumption exceeds a certain amount
• The available balance is too low
• Latest generation of invoice
• Repayment period
• Success / failure of reimbursement
In addition to consumption alerts, some banks can also open handy alerts such as lower limit and refund thresholds, so friends can remember to pay back on time to avoid fines and high interest.
6. Download the mobile app
After opening an account online, you can take advantage of the convenience offered by online banking. If you want to control account information anytime, anywhere and more, it is recommended that you download the mobile banking app.
In addition to account information, you can also do the following convenient things on the bank's mobile app:
• Refund
• View historical invoices
• Account freeze to protect account security
• Management / configuration alert
• View the benefits of the credit card
7. Register for the benefits of a credit card
Many credit card benefits must be registered after they are received before they can be used. The registration of these benefits can mainly be done in online banking.
The common credit card benefits required to register are:
• Platinum Card from American Express Bank: Global 1200+ rights at airport lounges; annual reimbursement of $ 200 by air; $ 200 annual reimbursement by Uber; reimbursement of $ 100 per year to Saks consumers; membership in the Hilton / Marriott hotel gold card; registration with households of car rental companies; free global airport Wifi
• American Express Bank Gold Card: $ 100 per year for air reimbursement, $ 120 per year for reimbursement of food and beverages
8. Enroll electronic / paperless bill
Humans cut large areas of forest every year to make paper, and banknotes are a big source of paper waste because of their huge base.
Currently, most banks provide electronic invoices and can also provide paper invoices based on customer needs. After receiving paper invoices, many people usually throw out bank invoices because they usually choose to pay back online. Therefore, the publisher recommends saving a paperless statement after receiving the credit card to save paper and avoid waste.
The advantages of choosing paperless:
• Save paper and save forest
• Avoid losing invoices and disclosing personal / privacy information
• Reduce the need for paper document management
• View historical invoices online at any time and ask banks to send paper invoices at any time as needed
9. Save the bank contact number one the back side of the card
Although more and more businesses may be self-service online, it is sometimes necessary to contact the bank to resolve certain issues.
After receiving the credit card, it is recommended to store the bank contact number behind the card on your mobile phone for later contact. Especially after the credit card has been found lost / stolen, contacting the bank as soon as possible can minimize the risk of theft.
In addition to emergencies, certain advantages of the credit card must also be used when calling. For example, the free roadside assistance provided by Express Bank 4 times a year requires you to call Express Bank to provide detailed information about the location / vehicle / service required.
10. Enroll auto-pay
To avoid forgetting to reimburse, it is recommended to set up automatic payment. automatic payment can set the date and amount of automatic reimbursement.
If you cannot repay in full, it is recommended to set the automatic payment to "minimum payment". As long as the minimum repayment amount is paid, late payment, an event that seriously affects your credit history, can be avoided.
Conclusion
Recently, many airlines and large companies have been exposed to user data leaks. The information disclosed includes complete information about the user's credit card, and even hackers sell this information online. In addition to setting an alert, regularly changing the card number can also significantly reduce the risk of theft. I hope everyone's bank account is safe.
