How to Check If A Credit Card Is Activated

By Mav OT •  Updated: 03/27/24 •  5 min read

When the toiling yields, but there is a minor problem holding you back, you start to get frustrated. This can happen to everyone. After going through the hassle and bustle of acquiring a credit card, but due to the activation, you can not use the card, it becomes a nuisance.

This should tell you how vital it is to get your card activated and also confirm if the credit card is activated. 

Many times, people do not understand the point of activation and how to go about it. 

Well, there is more information for our readers. Our core mission is to provide tips and tricks on anything related to South African life. This is why we are here to guide you through how to check if your credit card is activated

How to check if a credit card is activated

In South Africa, you have to activate a credit card before you can use it. You can log in to the online banking site or mobile app that the credit card issuer offers to see if the card is active. Users can see information about their credit cards, such as whether or not they are activated, in the account homepage. If the card is activated, the account will show that it is live. If not, it may ask the user to finish the activation process.

You could also call the bank’s customer service staff as another option. Representatives can check to see if the credit card is active or walk the user through the activation steps if needed by getting information about the credit card, such as the card number and personal information for verification.

Activation is very important because it keeps the card safe and stops people from using it without permission. By enabling the card, the user confirms that they have received it and agrees to be responsible for how it is used. Setting up security features like PINs or passwords is often part of registration, which adds another layer of protection against fraud.

For example, a South African with a TransUnion credit card can check the state of activation by going to the bank’s website or calling its customer service hotline. This gives them peace of mind and ensures their financial transactions are safe.

Can I check my credit card online?

Checking your credit card online is very possible. Once your card has been activated, you can easily log in with your credentials to see the card report. Even if you do not have the card activated you can still check it online. 

All these may depend on the bank that issued the card to you and the necessary information attached to the card. 

You can easily check your credit card online using the various portals provided by the financial institution. 

Can I use my credit card immediately after activation?

Yes, you can use your credit card immediately after activation. Activating your credit card ensures that you have received it and are the rightful owner of it. It is an easy process that can be done in person or online, depending on what your credit card company offers. 

Once a credit card is activated, it can typically be used immediately for purchases, both online and in-person. Activation essentially finalizes the setup process initiated by the card issuer and confirms receipt by the cardholder. 

However, it is essential to note that some financial institutions may impose a brief waiting period before the card becomes fully functional, usually for security reasons.

Nevertheless, once activation is complete, cardholders can usually start using their credit cards right away. This provides instant access to funds and enables convenient transactions to meet their needs. 

Imagine Angelina just received her new credit card in the mail. After activating it through the provided phone number or online portal, she decides to go grocery shopping. 

At the checkout, she confidently swipes her card to pay. The transaction goes through seamlessly, and she pays for her groceries without any hassle. In this scenario, Angelina’s credit card was ready for immediate use right after activation, demonstrating how quickly and conveniently she could access the funds on her new card to make purchases. 

What happens if a credit card is not activated?


There are a lot of things that could happen when you do not activate your card. To start using your credit card for purchases, you need to make sure it is “activated.” 

If you have recently been issued a new credit card, it could appear harmless to keep it dormant. 

However, even if you do not use it, there may be consequences. The accumulation of any connected fees, such as annual or monthly charges, will have an effect on the amount on your credit card. 

Skipping payments will hurt your credit record, which will result in a considerable drop in your score

This has a detrimental influence on your credit score, particularly if you maintain balances on accounts associated with other credit cards. 

For this reason, you must activate a new credit card, even if you do not intend to use it, to avoid the potential problems that could arise. 

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