How to know if my Credit Card is Active

It is very important to know if your credit card is active. This is because if it is not active, you will not be able to make purchases with it. Having an inactive card means all your purchases will be declined, so you need to keep it active. And you need to understand that your credit card will not always stay active, it can be deactivated due to some reasons.

How to know if my Credit Card is Active

For example, if you have not used your credit card for some months, it may be been deactivated by the lender. Also not making payments on due dates, will lead to its deactivation. Your credit may also be deactivated if it has expired. So, if you fall into any of these categories, you will need to know your credit card, and this is what this article is about.

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Ways to know if Your Credit Card is Active

There are some ways to find out or know if your credit card is active. You can use any steps below to find out if your credit card is still active.

  • Try and use your credit card.
  • Call customer care.
  • Check your credit report.
  • Visit the bank.
  • Make a payment.
  • Check your registered email for notifications.
  • Online banking.
  • Check your credit card statement.

Try and use your Credit Card

Using your card to make purchases is a good way to find out if your credit card is still active. If it declines, it means it has been deactivated, but if it does not, it means it is still active.

Call Customer Care

You can call the credit card issuer to help you check the status of your credit card. You can do this by dialing the number on the back of your credit card. If it is not active, it can be activated immediately. Also calling customer care is good because you will have information on why your card was deactivated.

Check your Credit Report

Your credit report can inform you about the status of your credit card. If your card is not active, you will see it in your credit card report.

Visit the Bank

You should visit the bank if you need to speak physically with the person in charge. But while visiting the bank, ensure you take with you your valid ID card and your credit card as the banker will have to check your identity before checking the status of your credit card.

Make a Payment

Another method of checking if your credit card is active is by making a payment. If you make a payment and it gets completed, it means your credit card is still active. But if is declined, it implies that there is an issue with your card.

Check your Registered Email for Notifications

The bank sends a monthly report or statement to the email you used while getting your credit card. So if there is any problem concerning your credit card, the bank will send it to your registered email account.

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Online Banking

You can check the status of your credit card through online banking. And online banking is preferable because you will be able to check your credit card status, limit, and balance. You can use your laptop or your smartphone for online banking. This can be done by typing the brand name of the card in your search engine.

Check your Credit Card Statement

A credit card statement that contains a lot of info about your credit card is sent to you every month. Through this statement, you can find out if your credit card is active or not. But know that the statement will not inform you why your card was blocked; you will have to visit the bank to find out why.

How to Keep your Credit Card Active

After knowing the status of your credit card, you will need to keep it active if it is not.  You can do this by calling your credit card company, and asking them to reconsider the cancellation. But if it is still active, you will have to ensure it stays active. Here are some ways to help keep your credit card active.

  • To keep your credit card active, you must make your payment in time. This will help you to establish credibility with the company.
  • You have to agree with new terms and conditions by your card issuer when they are implemented.
  • If you have more than one credit card, you have to rotate the cards so you can keep them active.
  • You should activate a monthly bank that will automatically ensure your credit gets paid in time.
  • Try to pay off the total debt on your credit card, it will help keep your card active.

With these steps above, you will be able to keep your credit card active always.

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