How to Check If Credit Card Is Active - In case you haven’t used your credit card for a while, you probably want to know how to check if credit card is active. Really, try to spend some times checking first before using. Think back again for how long have you not been using the card? Has it been more than 3 months? Or even more than 6 months? You want to make sure that you can still use the card without being declined especially if you have a quite important event in the future. Let’s say that you are planning a lunch with some friends. Wouldn’t it be embarrassing if your card is rejected or turned down in front of them? You don’t want to make yourself look penniless in front of them, right?
How to Check If Credit Card Is Active
The Reasons Why the Credit Card Is Inactive
If you think that the credit card is always inactive because you are late making the payment, then it isn’t completely correct. Sure, late payments are one of the reasons why your card becomes inactive but it’s not the only cause. Keep in mind that your credit card (along with the transactions) should be active, open, and within a good standing. Other than that, it can affect the condition of the card.
First of all, the credit card may be inactive if you haven’t used it for months – or even years. If the issuer doesn’t see any financial activity with the card, they may think that you no longer use it, so they would deactivate it. Second, it is possible that your credit card has expired – and you don’t realize it. You may be surprised to know that it is quite a common issue – users who don’t really realize that their card has expired.
If this is the case – and you haven’t got the new one, it would be logical if you can’t use the card. The last one probably happens if you are late in making the payments or the regular monthly bills. This action will affect the purchasing privilege – it may be suspended.
So, how do you know that your card is inactive? It’s simple: you won’t be able to use it because it will be likely declined. That’s why it is advisable that you have other payment options or you at least try to check your card’s status before using it on any major and important events.
Check the Credit Report
If you are a thorough card user, you should have received the report on your card’s status on the monthly basis. And if you are a truly good user of the card, you will check it thoroughly and in details so you know whether you make the right spending and nothing is odd. Checking the report should be one of the easiest ways to know whether the card is still active or not because the info will be provided there. If you still get the report on the monthly basis and you see that there is nothing wrong there, then it is likely that your card is still fine – and it remains active.
However, if you read the report and you find out that there is something wrong with it, you need to contact the issuer right away. In the event that your card isn’t active anymore, you should be notified on the report. However, you won’t find the information about the reason why it is closed – you will have to contact them.
Never underestimated a credit report because it is the written document of how you manage and handle the credit, including the debt account. It provides information of how much debt you have, how much money you have paid the bills, how you pay it, and other personal information about yourself, such as your work, where you work, your address, and such thing alike. If you have a bad credit or not-so-good financial history (vehicle repossessed or home foreclosed), such info can also be found there. Seems like a long report? It should be! That’s why it would help to know how to check if credit card is active.
The Importance of Credit Report
If you are trying to improve your finance, you need to check the report quite often – at least once per year. This won’t only help in how to check if credit card is active but also to understand the complete condition of your finance. It would be even better if you can request the report to be sent to you several times within a year. Check thoroughly – make sure that every little detail – I really mean EVERY – is correct.
If you find anything suspicious, you should report to the credit card issuer as well as the authority. In general, early (and annual checking) detection of any fraud or mistakes can be revealed through a detailed checking. Identity theft, calculation mistakes, and such thing alike are commonly revealed when the users want to check the report carefully and thoroughly. Don’t take things for granted or you will regret it.
In case you are trying to apply for a big (and important) loan or you want to repair your credit, you can have the report sent to you more frequently It will help to check your financial standing while giving you a better insight of how well you have managed your debt. The report can be sent to you through 3 different ways:
- We can have a free promotional offer, but this one doesn’t happen quite often
- You can go to government’s site that is responsible for such a thing
- You can buy the report from the 3 credit bureaus – just pick one.
Contact the Customer Support or Service
Besides checking the credit card, another alternative on how to check if credit card is active is to call the issuer’s customer service. You should be able to find the number on the back of the card. Once you contact them, they should be able to provide the information of your status and condition. in the event that your card is inactive, you can ask them to activate it – while still talking to them on the phone.
Use the Card
If you have other payment options and you feel that the previous methods are somewhat fussy, you can always try to use the card directly. If you are sure that you have never missed a payment or your credit report doesn’t say anything about your card being inactive, then go ahead. Try using it and see whether it is usable or not.
In case you misplaced or lost the card, you can contact the issuer and provide them information about the card number. But what if you don’t remember it? You can find the number from their official site and you can provide them with the information about your social security number. If your account is still active, then they will send you the new one.
Activating the Card
If your card is inactive because it is expired or it hasn’t been used for a while, then calling the issuer to have them activate the card again will be the simplest option. However, if the reason for the inactive card is because of the late payments, you will have to catch up on it. It means that you will have to pay for the late payments and possible late fees if you still want to use the card again. So, those are the facts about how to check if credit card is active, so hopefully, you can be wise about its use.