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While most do this without knowing what they are getting themselves into you DO NOT have to give them your CCard to get the initial service activated. When they asked me (the OnStar rep) I respectfully declined. They were a bit dumbfounded but once they gathered their composure they launched into their sales pitch to which I again declined and after another sales pitch by an OnStar manager to which I again respectfully declined they activated the system.You actually had given them your credit card the day you picked up your car at the dealer and the salesperson had to activate the OnStar, this I remember when I picked my car up