I never activated my apple credit card how do I activate

Sign in to your Apple ID account page and edit your Apple ID details.

https://appleid.apple.com

On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.

See also the following Apple articles:

Change, add or remove Apple ID payment methods

Change, add or remove Apple ID payment methods – Apple Support (UK)

Add money to your Apple ID balance

Add money to your Apple ID balance – Apple Support (UK)

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)