How to Activate your Credit Card

When you apply for a credit card, the issuer sends you a card that is not yet active. You need to activate the card to start using it. Activating your credit card is essential because it ensures that you are the authorized user of the card. It also protects you from fraud, as it is easier to detect fraudulent activity on an activated card. Additionally, activating your credit card allows you to start using your credit line, which is important for building your credit score.

In this article, we will talk about steps involved to activate your credit card.

Let’s get started!

How to Activate Your Credit Card Online?

Activating your credit card online is the easiest and most convenient method. To activate your credit card online, you need to log in to your account on the issuer’s website.

Once you are logged in, look for the “Activate Card” option and follow the prompts. You may need to provide your card number, security code, and other personal information to verify your identity.

Once you have completed the activation process, your card should be ready to use.

Steps to Activate Credit Card via Internet Banking

• Visit your bank’s official website.
• Log in to internet banking using your net banking credentials.
• Find the card activation option.
• Enter your card details and hit submit.
• On the next screen, enter your ATM PIN and click on ‘Submit.’
• Enter the OTP.
• Click on Continue to activate your credit card.

Activate Credit Card Offline

If you prefer to activate your credit card in-person, you can do so by visiting a branch of the issuer.

• Take your credit card and a valid form of identification to the branch.
• Contact a representative for the activation process.
• Provide additional information to verify your identity.
• Once you have completed the activation process, your card should be ready to use.

Activate Credit Card Via Customer Care Service

You can activate your credit card over the phone by calling the issuer’s customer service number.

• Call the customer service number. The number is usually located on the back of your credit card or in the paperwork that came with your card.
• Enter your card number.
• Verify your personal information to verify your identity.
• Complete the activation process.
• Your card should be ready to use.

Activate Your Credit Card Via SMS

The steps to activate your credit card via SMS vary for every bank. First check if your bank provides such an option. If yes, follow the below steps:

• Send a predefined SMS to the given number.
• You will immediately get a response from the number about the activation process of your credit card.
• Follow the steps given to activate the card.

How to Check if Your Credit Card is Active?

After you have activated your credit card, it’s important to check if it is active. This is especially important if you are planning to use your card for a large purchase or if you haven’t used it in a while. To check if your credit card is active, log in to your account on the issuer’s website or call their customer service number. You should see your credit card listed as an active account. If you are having trouble accessing your account or if your card is not listed as active, contact the issuer’s customer service for assistance.

Conclusion

Activating your credit card is an essential step in using it. It ensures that you are the authorized user of the card, protects you from fraud, and allows you to start using your credit line. There are three ways to activate your card: online, phone, or in-person. Choose the method that works best for you and don’t forget to check if your card is active.

Also read: How to Block Credit Card?