Complete Guide On How To Check Your Credit Card Balance

If you’re a responsible adult who pays bills on time, you might have a credit card. Credit cards are widely accepted as payment mechanisms for small purchases like groceries or dining out.

Having a credit card gives you the opportunity to build or rebuild your credit score. Whether you’re a young adult just starting out with your financial life or an older adult looking to establish new credit, having a credit card is an excellent way to do so. 

Here’s how to check your credit card balance and stay financially accountable.

How To Check Your Credit Card Balance Online?

To check your credit card balance online, the website of your credit card company will usually let you log in with your username and password. This can also be done at many financial institutions, like your bank website or your credit card company’s mobile app.

You can also see information like account balance, monthly payment due dates, interest rates, and transaction histories like the date, amount, and merchant’s name. While logging in to your credit card account online, make sure you are logged in to your account and have read-and-acknowledge access.

How To Check Your Credit Card Balance By Phone?

If you don’t have access to the internet or need to check your credit card balance quickly, you can call your credit card company’s customer service. Most credit card companies have a customer service number you can call.

When you call your credit card company’s customer service, you’ll usually be asked to provide your account information and the reason for your call. The customer service rep will then provide information about your credit card account and see if they can help you figure out your current balance. 

If you want to check your credit card balance by phone but don’t know how to use the system, don’t worry. The representatives at customer service usually have a system that allows you to quickly and easily check your account balance.

How To Check Your Credit Card Balance By Mail?

Sometimes, when you’re trying to check your credit card balance by phone, you’re just not getting through. In this case, you can always send a cheque or cashier’s cheque to your credit card company.

Once the cheque or cashier’s cheque has been mailed, mark it as proof of delivery. In this way, the credit card company will know that you have mailed the payment and that it cannot be encashed unless they receive it first.

Check Credit Card Provider’s Website Or App

If you’ve been checking your credit card balance online or by phone, you can double-check your results with a quick look at your credit card provider’s website or mobile app. Make sure you are logged in to your account to get the most accurate information. 

You can also apply for a credit card account or log in to your account. If you have a website password or PIN code, you can use this code to log in. Once you are logged in, you can see your account information again. You can also apply for a credit card or use your card.

View Your Credit Card Account In Your Bank’s App

Most banks have an app that lets you view credit card account information. If you have an account with them and have an app, log in to your account to see your credit card information. Most banks will also give you the option to check your credit card balance within the app. 

If you have a checking account with your bank, you can usually view your credit card account information and check your credit card balance within your account. You can also log in to your account and make sure that your information is up-to-date.

Check For Fraudulent Charges

If you’ve been visiting your credit card account online or by phone, you should also check your transaction history and look for any fraudulent charges. 

Make sure that all of the charges on your credit card account are legitimate and that they’ve been charged to your credit card account. You can do this by regularly going through your credit card statement.

You can also request a printed copy to be delivered to your home by mail. If you notice any unauthorised charges on your credit card account, contact your credit card company immediately and file a complaint. Your credit card company may reverse the charges or issue you a refund.

Wrap Up

Credit cards have become increasingly popular over the last few decades. One of the main reasons is the spending boost it gives to users. You can buy something with instant, pre-approved credit with it. However, this has created some problems. One such problem is overspending.

Keeping a close eye on your credit card balance can help. If you have a low balance, it will deter you from spending. Otherwise, it will help you find out how much you can spend. You can read out more about the utility of credit cards and how to manage your credit card expenses through related blogs on the Piramal Finance website.