You can verify that you received a new credit card by calling the issuer directly, logging into your online account, or using the issuer’s mobile app. Some card issuers use the term “verify” instead of “activate,” though they mean the same thing.
When your credit card first arrives after 7-10 business days, it will come with activation instructions specific to the card’s issuer. Follow the instructions to verify that you have received the card, and then you can begin using it.
3 Ways to Verify Your New Credit Card
- Phone call. When you receive your credit card in the mail, it may have a sticker with a phone number displayed on the front of the card, or you can find a customer service number listed on the back. You can call either number to verify that you have received the card and activate it for use. When prompted, provide any requested personal details, such as your card number and the name on the card.
- Mobile app. Many credit card issuers allow you to verify a new credit card on their mobile app. Once you’ve registered for an online account with your card issuer, you can log into the issuer’s app, find the option to activate a credit card, and choose the card you would like to activate.
- Issuer’s website. The sticker on your new card may also list a URL where you can go to verify your card online. Visit the website and enter any requested personal information. You may be asked for your card number/CVV, full name, and Social Security number, for example, depending on the issuer.
Verifying a card for purchases
When you’re shopping online or buying something over the phone with a credit card, the vendor can’t swipe or dip your card directly. For these “card not present” purchases, you will need to provide the merchant with your card’s 3-4 digit CVV code during checkout to verify that you have possession of the physical card. This process makes your card harder to use if the card number has been stolen.
You can check out WalletHub’s guide to learn more about credit card CVV codes and card verification.
This answer was first published on 02/22/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
