Debbie Fischer, WalletHub Analyst
@debbie.fischer
The average credit card activation time limit is typically between 45 and 60 days. However, not all issuers disclose this information, so it’s best to activate your credit card as soon as possible. If you don’t activate your credit card in time, the issuer may close your account automatically.
Nevertheless, your card will appear on your credit report even if you don't activate it. That won't drastically affect your credit score. But it will impact your credit utilization ration ratio, even if you never activate the card.
Popular Credit Cards in December 2025 from Our Partners
-
Low Intro APR & Bonus Rewards
-
Everyday Cash Back
-
Building Credit
-
0% Intro APR
People also ask
How do I activate a credit card?
To activate a credit card, call the number you see on the back of the card or go to the website listed on the activation sticker attached to your card. Credit card activation typically requires the credit card number, the security code (CVV), or both.
The exact steps required to activate a credit card depend on the card’s issuer, so it’s best to follow the instructions from the sticker attached to your card. If you’ve lost...
read full answer by WalletHub, Financial CompanyHow do I activate my Visa credit card?
The easiest way you can activate your Visa credit card is either through the issuer’s website, or by calling the number you see on the back of your card. When you receive your Visa card in the mail, it should come with a set of instructions on how to activate it. It’s hard to give specifics because the exact instructions are different for each issuer. However, we can take you through the basics of each method.
...
read full answer by WalletHub, Financial CompanyHow can I activate my credit card without calling?
You can activate your credit card without calling by using the issuer’s website or mobile app. Most credit card companies offer online activation, and some also allow you to activate your card in person by visiting a branch and speaking with a teller.
Ways to Activate Your Credit Card Without Calling
Through the online portal
Activate through your online account on the issuer’s website. Most issuers have a specific activation page, and...
read full answer by Adam McCann, Financial WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
What do I need to do to open my account again if the limit passed