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. 

Keep Reading

How Does the Budget Facility Work on a Credit Card?

How Does the Budget Facility Work on a Credit Card?

It gives you the chance to use your credibility to your advantage without having to disrupt your financial stability.

How Can Thieves Make Credit Card Purchases Without OTP?

How Can Thieves Make Credit Card Purchases Without OTP?

We aim to provide South African cardholders with the information to shield their financial information as more and more aspects of life become digital.

How Can I Check My Credit Card Account Balance? 

How Can I Check My Credit Card Account Balance? 

This article explains everything you need to know about checking your credit card balance.     

How to Check My Interest Rate on Credit Card?

How to Check My Interest Rate on Credit Card?

Understanding how credit card interest works can help you make an informed decision. Read on to learn how to check interest rates on your credit card.  

How to Get A Capital One Credit Card Number?

How to Get A Capital One Credit Card Number?

It has become imperative to understand where your credit card number can be accessed for smooth transactions and good financial management.

How To Activate And Manage Your Absa Credit Card

How To Activate And Manage Your Absa Credit Card

This comprehensive guide will provide everything you need to use your Absa credit cards maximally.

Who Qualifies for a Credit Card in South Africa?

Who Qualifies for a Credit Card in South Africa?

Understanding the basic qualifications and how to get a loan plate is the first key to using this financial instrument to your benefit.

How to Pay Credit Card Bills to Increase Credit Score

How to Pay Credit Card Bills to Increase Credit Score

This article explores the steps you can take to pay your credit card to increase your credit score.  

How to Reverse a Credit Card Payment?

How to Reverse a Credit Card Payment?

They also need to know how they can effectively manage their finances and protect themselves from potential financial losses.

What Credit Score Is Needed For Amazon Credit Card

What Credit Score Is Needed For Amazon Credit Card

This blog post will provide you with some important information regarding the credit score needed for an Amazon credit card. 

How Does One Stop Recurring Payments on Credit Cards?

How Does One Stop Recurring Payments on Credit Cards?

This initial phase lays the foundation for further examination of the process and factors that influence stopping recurrent credit card payments

How Much Does a New Credit Card Cost in South Africa?

How Much Does a New Credit Card Cost in South Africa?

This article addresses the costs of new credit cards in South Africa, such as replacement cards, and the influence on credit scores

How Does a Company Qualify for Business Credit Cards?

How Does a Company Qualify for Business Credit Cards?

These credit cards usually have higher credit limits than personal ones, which showcase big business spending.

How to Avoid Paying Interest On Your Credit Card?

How to Avoid Paying Interest On Your Credit Card?

Today we will look in more detail at some strategies you can use to avoid hefty credit card interest rates and use your credit card smartly.

How to Check If Your Credit Card Has Been Hacked

How to Check If Your Credit Card Has Been Hacked

You can easily fall victim and as such, it is important to read through this entire article to understand credit card theft, hacking and protection.