How to Check if Credit Card is Active Online 2018

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How to Check if Credit Card is Active Online 2018 – In fact, many people often ask about how to check if credit card is active. Indeed today, credit card is a mandatory thing to have. If you do not have that card, your life will be a little bit harder.

It is because the card can bring lots of advantages, from building credit record to emergency use. This is why more than 50% US residents own at least one credit card.

Besides having lots of benefits, the card also very easy to get. Almost all banks and financing companies can issue this card that makes it even easier for anyone to own several cards from some different banks.

How to Check if Credit Card is Active 2018

How to Check if Credit Card is Active 
How to Check if Credit Card is Active

When talking about credit card, there are numerous things to understand, especially if you have never owned and used this kind of card before. You need to understand thoroughly about its function, how it works, and so on.

Why so? It is simply because the card can either help your finances or ruin it. If you want to know more about credit card, including how to check if credit card is active, keep reading this article as the detailed information is available down below.

What You Need to Know about Credit Card: How to Check If the Credit Card is Still Active

What You Need to Know about Credit Card: How to Check If the Credit Card is Still Active
What You Need to Know about Credit Card: How to Check If the Credit Card is Still Active

Let’s begin with some essential insight into credit cards. For beginners who are new to credit card world, there are two important things that you need to know:

the essential aspect of the card and how to check if credit card is active. By knowing why it is essential, you will never have a doubt to use it.

As for the activity checking, by knowing that, you do not have to experience confusing and embarrassing moments where you want to use the card, but it will not work out. We will begin with the reasons why credit card is incredibly essential.

  1. Building Credit History

Building Credit History
Building Credit History

As we know, almost everything needs background check these days. The checks are often including credit card history. Without having the card, it will be impossible for you to have a record or history on the card.

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It will be an obstacle when you want to apply for some loans, mortgage, or to lease a new car. If you do not have a card, the loan officer cannot perform a proper background check and surely your application will be denied.

That is why it is important to have a credit card and to use it wisely. You will establish a good record and it will be easier to apply for everything eventually.

  1. Getting an Emergency Fund Sources

Getting an Emergency Fund Sources
Getting an Emergency Fund Sources

In addition, credit card is like a huge amount of money in a plastic card. If emergency happens and you need like $1,000 at once, you can use the card. Many people do not have that kind of money lying around in the house.

Therefore, when emergency pops up, like someone is sick and need to be taken to the hospital or an unexpected bill suddenly get sent and demand you to pay it right away, you do not have to get confused about how to find that lots of money to pay for those emergencies.

All you need to do is using the credit card and just repay it back at the end of the month.

  1. Protecting You from Fraud and Theft

Protecting You from Fraud and Theft
Protecting You from Fraud and Theft

It can’t be denied that going anywhere with lots of money on wallet is never safe. Your wallet and money can be taken easily by pickpockets or theft.

Therefore, by carrying only a small amount of money and keeping it on the credit card, you will feel way safer. Even if your wallet is getting snatched by the street thief, they probably won’t get lots of money.

All you need to do is going to the bank or the provider of your credit card, have the card blocked, and simply request for a new one with same account.

  1. Giving You Many Rewards

Giving You Many Rewards
Giving You Many Rewards

Well, since credit card is widely acceptable, almost every store, restaurant, hotel, and so on allows their customers to use it. The vendors love when their customers are using the cards because cashless transaction is simpler and they get commissions as well from credit card providers.

In this case, many places encourage the customers to pay with credit card. They offer great reward, gift cards, cash back, discount, and many more for customers who use credit card when purchasing the goods.

  1. Bringing You Great Convenience

Bringing You Great Convenience
Bringing You Great Convenience

The point of having credit card is convenience. Using the card is indeed very convenience. It is small and easy to carry. You can even walk outside your place to buy stuff outside without bringing wallet and only use one credit card slipped on your pocket.

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You do not even need to bring cash to purchase anything and it even gives you a great deal of convenience when using it.

It is now clear how essential a credit card is. It is obvious and you should have at least one. When you have the card, surely there is maintenance you need to do about it.

The most important one is checking its active or inactive status. Why is this important? Well, if you do not even know whether or not the card is active, how can use it conveniently? Here’s how to check if credit card is active.

  • Use Online Banking

Use Online Banking
Use Online Banking

As the first choice, if you want to do it the easiest way, use online banking. Everything is now powered by the internet and it is quite impossible that your bank or credit card provider does not have online banking programs.

By using online banking you can check whether or not the card is still active as well as to check the balance. Online banking is usually accessible via computer or smartphone.

If the bank offers an app, take it since it is literally the simplest way to check the status of your credit card. It will allow you to check the status of the card anytime and anywhere.

  • Visit the Bank’s Website

Visit the Bank’s Website
Visit the Bank’s Website

The next way of how to check if credit card is active is by visiting the website of the bank or the credit card’s provider. Usually, the company’s website includes a panel to check the status of your credit card.

If you have visited the website and cannot find the section to check it, go to the “help” section or the FAQ. Hopefully the solution will be found there.

  • Call the Customer Service of the Bank

Call the Customer Service of the Bank
Call the Customer Service of the Bank

If you do not feel like checking everything online and you want to talk to real person instead, call the customer service number that the bank or financing company provides it.

These days, it is almost impossible for public service companies not to have customer service hotline. Before you call customer service, just prepare your data first so the staffs on the other line do not have to wait for you too long.

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What you need to prepare is including your bank account number, the social security number, and common private personal details, like your birthdate and current address.

  • Try to Use It

Try to Use It
Try to Use It

A lot of people do not want to get involved with banks too often. They do not want to call the customer service or visiting the website. So, how to check if credit card is active for this case?

Well, it is pretty easy and a kind of literal actually since to check it, you need to try to use it. This action has some risks, though, including if the card is indeed inactive, you still have to pay for what you purchase with cash or your debit card.

  • Check Your Email

Check Your Email
Check Your Email

The last thing that you can do to check the active/inactive status of credit card is by checking your email. Open the email that you use when registering the card.

Usually, a bank or financing company will send monthly credit report. In that report, you can check whether or not your card is active. If it is stated there that the card is inactive, go to the bank immediately and have the issue resolved.

You can also call the bank first and ask the customer service to find out why your credit card is inactive. When the problem solved, you can get the credit card back; active and ready to be used wisely.

Well, you now understand credit card is like very important for people these days. You can use it for more cashless transactions every day.

You have understood the importance of owning one credit card or more and also the way to check whether or not your credit card is still active. Now, you can have better financing with the credit card, as long as you use it wisely.

Remember to regularly check the balance or the limit of the credit card as well as checking its active/inactive status by doing those tips of how to check if credit card is active above.

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