1. After the normal credit card is obtained, there is only the card, and the password will be sent to you by mail. When these two things are received, you can call the customer service phone of your credit card and activate it according to the prompts. As a reminder, after activating the card, you need to go to the bank counter or ATM of the credit card to modify the initial password (the password of the letter). 2. The repayment date is determined by the bank. Generally, your bill date and repayment date will be stated in the card letter sent to you. The so-called billing date-take your card to show that it is added on 1 day of each month, which means that it will be billed on 1 sunrise of each month. The consumption in this bill refers to the consumption generated from last month 1 to this month 1. For example, the bill you issued on September 1 should be August 1. The final repayment date assumes that you are on the 25th, so as long as it is before September 25th, there is no problem. When you don't pay back the money, the amount you spend next time will not recover. What needs to be reminded here is that it is best not to spend on the bill generation day, that is, a few days before the bill generation day, because then your interest-free period will be few. If you are not in a hurry, you can choose to spend on or after the same day 1, because general consumption is booked the next day. If you spend 1, you can enjoy the most frequent 55-day free return period! The interest-free period of each bank is different, and the longest period should be more than 50 days for Guangfa Bank. Of course, it depends on which bank credit card you apply for. Use your card well! I hope my answer is helpful to you!