WalletHub, Financial Company
@WalletHub
You can check your credit card balance online, via mobile app, or over the phone. The easiest ways to check your credit card balance are online and through the credit card company’s mobile app. Either of these methods will let you see the most up-to-date credit card balance when you check. Most major card issuers have mobile apps, which makes checking your balance a matter of pulling out your phone.
How to Check Your Credit Card Balance
- 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 (most bank websites have a login or signup box on the landing page). Once you log in, you’ll be able to check your current balance, see your most recent statements, make payments, schedule future payments, and more. - Via 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. - 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 balances, so listen to the options menu and follow the prompts to check your latest balance.
It’s good practice to check your credit card balance regularly. Doing so 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. Having a high credit utilization can hurt your credit score, which can hurt your chances of getting a good credit card in the future.
2023's Best Credit Cards
Compare CardsPeople also ask
What does current balance mean on a credit card?
The current balance on a credit card is the amount you owe on your account, minus any pending purchases or payments. All of the purchases you’ve made that have been processed by your credit card company since you last paid your bill are included in the current balance.
On a credit card account summary, you’ll likely see “Current Balance,” “Pending Balance,” and “Available Credit.” Pending balance refers to transactions that are being processed and...
read full answerWhen should I pay my credit card bill?
The best time to pay a credit card bill is a few days before the due date, which is listed on the monthly statement. Paying at least the minimum amount required by the due date keeps the account in good standing and is the key to building a good or excellent credit score. That’s true for everyone, but some people might want to take things a step further, particularly cardholders carrying balances from month to month and...
read full answerWhat is a closing date on a credit card?
The closing date on a credit card is the last day of a credit card’s billing cycle and when the credit card statement gets compiled for the account. The statement will typically “close” at midnight, so the day before the closing date is likely the last day that new charges can be added to that month’s statement. The closing date is also when a credit card issuer calculates interest charges from the billing cycle, if the cardholder...
read full answerDid we answer your question?