To activate a credit card, call the number on the back of the card or go to the website listed on the activation sticker attached to the 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 issuer, so it’s best to follow the instructions printed on the sticker that comes on your card. If you’ve lost your sticker – or you’re just wondering – here’s a quick reference guide to credit card activation with some of the biggest card issuers.
Here’s how to activate credit cards from major issuers:
It’s important to remember that some credit card issuers will require your Social Security number or other information to verify your identity when you activate your card. Once you’ve activated your credit card, you can use it immediately.
Unfortunately most issuers won't disclose their credit card activation time limit. But a fair assumption, based on what most cardholders report, is between 60 and 90 days. 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 improve your credit utilization ration ratio, even if you never activate the card.… read full answer
The easiest way you can activate Visa credit cards is either through the issuer’s website, or by calling the number you see on the back of your card. Different cards will have different options. When you receive your Visa card in the mail, it should come with a set of instructions for activating. It’s hard to give specifics because the exact instructions for each issuer are different. But we can take you through the basics of each method. … read full answer
Here’s how to activate Visa credit cards:
Online: Many issuers will provide you with the address of an activation website, where all you have to do is enter your card and personal information. You may also be able to activate your card by logging into your account from the issuer’s homepage and navigating from there.
Over the phone: Your credit card will often come with a sticker on it or an instruction sheet that lists the phone number of an activation line. This line may be automated or may have actual representatives you can talk to. You’ll typically need to enter your card number and a few pieces of personal information, such as your Social Security Number (SSN), date of birth and/or zip code. Once you complete the process your card will be ready to use.
If you lose the activation instructions or are having technical difficulties, all is not lost. You can call the number on the back of your card to reach customer service. They should be able to manually activate your card for you once you prove your identity.
Through customer service: Besides calling your credit card company’s customer service department, you could also call the general Visa customer service number at (800) 847-2911.
They most likely won’t be able to activate your card for you, but they can tell you whom you need to contact in order to do so. But it’s generally most efficient to talk to your issuer. A lot of companies have 24/7 customer service lines, so you should be able to get in contact any time.
Activation is a pretty easy process, usually taking only a minute or two. Keep in mind that it’s important to do it as soon as possible. Some issuers may close your account if you don’t activate your card within a certain amount of time.
To activate a Credit One card, you need to call customer service at (877) 825-3242. It is not possible to activate a Credit One card online. The activation phone number will also be printed on the decal affixed to the front of the new card. As a security measure, Credit One recommends calling from the telephone number that you listed on your application. You will have to provide that number to customer service, anyway, if you call from a different phone.… read full answer
Here’s how to activate a Credit One card:
When you call customer service, you will be asked to enter your 16-digit credit card number. Because the number is for a card that has yet to be activated, the call will automatically route to the Credit One card activation menu. You can use either the voice automated system or, when prompted, connect to a customer service representative. You will then need to provide your birth date, your Social Security number (SSN) and the card’s 3-digit security code.
Credit One does not provide an instant card number to use before the card arrives, which is usually around 10 business days after you’re approved. When you receive the card, you won’t be able to make any transactions on it until you activate it. Once activated, your Credit One card will be immediately available for use.
There is a deadline to activate, however. Credit One may close the account if you do not activate your new card within 14 days after you receive it in the mail. If this happens, you will not be able to reopen the account; you will have to re-apply for a new card.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.