How to activate a credit card is a question that is asked by people who just received their credit cards. After receiving your credit card, the next step is to activate it, so you must know how to do so. Activating your card will aid you to make transactions with it.
There are different ways you can activate your credit card. Your card can be activated both offline and online, you can also activate your card through the company’s web page or on your smartphone. The process of activating cards differs from bank to bank.
It is not possible to use a card without first activating it. When you apply for a new card and your request is accepted. You will then be given a physical card through standard mail. It takes up to 7-10 days.
At times, you may want to replace your card because it was stolen or you lost it. If this is your case, you will still need to activate your credit card after you have been given a new one. You will need to activate your card to enable you to make purchases and other transactions.
Information Needed to Activate Your Card
When activating your credit card, you will need to provide some information. But know that the information varies depending on your card issuer. When activating your card, you will need to provide;
- Your account number with the issuer.
- Credit card number.
- Your full name, SSN (social security number), zip code, and date of birth.
- And the security code on the front or back of your card.
At times, you will have to supply more details especially if you are a new cardholder. But this is the general information needed.
How to Activate Your Credit Card Online
Some banks permit you to activate your credit card online. And you can do this through their mobile app or internet banking.
1. Activate Your Card Through Internet Banking
You can activate your card through internet banking by following the steps below.
- First, go to the official website of the bank.
- Then log in to the internet banking portal with your ID and your password.
- Next click on card activation.
- Type in the details.
- And select submit.
- Enter your ATM pin and select submit.
- An OTP code will be sent to your phone.
- Enter the OTP and click on continue.
When you follow these steps, your card will be activated and it will then be ready for use.
2. Card Activation Through Your Mobile App
You can activate your credit card through your mobile app, but it is only possible if your bank has a mobile app.
If it has a mobile app, you must go to the play store on your phone, download the app from there and activate your credit card through it. The steps to activate your card through the mobile app are listed below.
- First, download the app of your bank from your play store.
- Then click on activate a card.
- Choose the credit card option.
- Then fill in the details.
- Click on next and send OTP.
- An OTP will be sent to your registered number.
- Fill in the OTP and click on submit.
- Then create a new ID and password.
- Choose and answer one security question.
- Then click on ok.
Following these steps will enable you to activate your card from the mobile app.
3. Activate Your Credit Card Offline
Knowing how to activate your credit card is important. In this section, you will learn how to activate your card offline. Activating your card offline can be done by sending of SMS and calling the customer care service. To learn how to do these, read below.
4. Card Activation Through SMS
Activating your card through SMS is only possible if your bank permits it. Not every bank gives their card user the privilege to activate their card through SMS, therefore you need to be aware that service is available in your bank.
And if it is available, you can activate your card by sending an SMS to the bank’s customer care number. The SMS can be your ATM pin. And after sending the SMS, the bank will give you a response on the process of activating your card.
5. How Can You Activate Your Card Through Customer Care Service
You can activate your card through customer care service by reaching out to the bank’s customer care service. When you call the bank’s customer care service, they will guide you on how you can activate your card.
To get the bank’s customer care number, you should visit the bank’s webpage. Activating your card is necessary because if you do not activate it, you stand a chance of losing it. Some card companies will cancel your card if you do not activate it, so the earlier you activate it, the better.