WalletHub, Financial Company
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You can check your credit card balance online, through the issuer’s mobile app, or over the phone. The quickest and most convenient options are online or using your card issuer’s mobile app, both of which provide real-time balance updates. Most issuers have mobile apps, so checking your balance is as simple as picking up your phone.
How to Check Your Credit Card Balance
1. Online:
To check your credit card balance online, simply open a web browser and go to the card issuer's website. It should be listed on the back of your credit card. Sign in with your account information, or set up online access to your account if you’re a first-time user (most bank websites have a login or signup box on the landing page).
Once logged in, you'll be able to check your current balance, see your most recent statements, make payments, schedule future payments, and more.
2. Through the issuer's mobile app:
Checking your balance with an app is similar to checking it online, and it’s just as easy. Just search the card issuer’s name in your phone’s app store and download the official app. Most official card issuer apps are free. After it’s downloaded, log in with your credentials. You should be able to do most things on the app that you can do on the issuer’s website, but banking app features vary from issuer to issuer.
3. Over the phone:
To check your credit card balance over the phone, call the customer service number you see on the back of your credit card. You’ll likely be asked to enter your card number and/or other personal information to verify your identity.
Most card issuer customer service lines have an automated system for checking your balance. Just listen to the options menu and follow the prompts to check your latest balance.
Why Checking Your Balance Is Important
Checking your credit card balance regularly helps you stay on top of things. It can help you spot fraudulent charges and mistakes on your account. It’s also good to keep track of your balance to make sure you aren’t using too much of your available credit. High credit utilization can hurt your credit score, which can hurt your chances of getting a good credit card in the future.
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