What many people ask themselves on a daily basis is whether their credit card is active. What we will try to do in this post is to explain how a cardholder can understand if his credit card is active or not.
If a credit card is not activated it is useless. We all know this. So if you want to start making whatever purchase you want, you’ll need to activate your card first.
This post was written because we want to help you. Also, in this article we will explain several methods on how to know if a credit card is active or not.
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How to Know If a Credit Card is Active
There are many methods you can try to know if your credit is active or not. In this section, we will share a few of them.
Method 1: Give It a Try
The first thing to do to check that your card is active is definitely to try to use it. You don’t have to leave home to take this test. You can also try making a small online purchase – typically, if your payment is declined, your card is not active.
However, a refused payment is not necessarily due to the failure to activate the card. In fact, there may be other problems associated with a declined payment. For example, you may have tried to make a purchase with an expired credit card. Also, or you may have already reached your limit.
Method 2: Call the Customer Center
Surely, the quickest way to figure out whether your credit card is active or not is to call the customer support team. As a rule, there is a phone number on the back of the card which can be useful to you.
Once you find the number, you just need to call them and let them know that you have problems with your credit card. And they will check it for you whether it is active or not. However, in the process, you may need to provide some information for the verification process.
Learn more: 2 Best Ways to activate SunTrust Debit Card
Method 3: Go to the Branch
It may sound obvious, but if you want to be sure of your card’s activation status, you can go straight to the bank and ask some employee who will be happy to help you.
Plus, you can ask them as many questions about your credit card as you like. We know that a bank visit is not possible for many users. If so, you can try the other methods mentioned here.
Method 4: Check from the Credit Report
Almost always, banks and credit card issuers in general tend to report credit card status to credit bureaus once a month. Then, by checking that credit card report that comes to you monthly, you will be able to find out if your card is inactive or not.
However, remember that if your card is inactive, they will not give you reasons within the report. You will need to contact them directly to ask why.
You may also like: Top 5 Things to Know About the Home Depot Credit Card
Method 5: Check If Your Credit Card is Valid
At this point, we are not going to show you a method to check if your credit card is active or not. But rather to check if it is valid.
Here are the steps to follow…
- Open your browser and visit bincodes
- If you look slightly down, you will find an empty box on the page. There you will simply have to enter your card number
- Keep in mind that you don’t have to use the space between numbers. And there should be only the numbers.
- Within seconds, the result of the card number validation will appear on the screen
- If you would like more information about the card, you can scroll down to see the breakdown of the number and BIN details of your card
In this way you can check if your credit card is valid or not, simply by sitting at home in front of your PC
And if my card is inactive?
Let’s say your credit card is not active. At this point, if you want to know why your card is inactive, you can contact the customer support team. You will have to follow the same procedure if you want to reactivate it.
You can activate your card following one of ours posts
Conclusions
If your credit card activity status didn’t make you sleep at night, we hope this post has made you fall asleep again. In this article, we have listed simple but effective ways to understand if your credit card is active or not.
And finally, we’ve shared some simple tips on what to do if your card is inactive.
