Can I Use an Unactivated Credit Card?

Whenever you get a new credit card in the mail, the card typically comes with a sticker on it that offers instructions for how to activate the card. Customers need to activate their credit cards before using them in order to avoid any delays or issues. You might wonder, is it possible to use an unactivated credit card?

Discover It Card

Earn big‑time cash back that never expires.

Some people don’t get around to activating their new credit cards right away, but credit card activation is a simple process. By activating your card, you are notifying your credit card company that you have received the card and that you are ready to use it to make purchases.

While most banks use card activation processes for security reasons and do not allow purchases on the card until it is activated (so they know the card is in the right hands), policies may vary across issuers when it comes to unactivated cards and purchases.

Call Your Issuer to Activate the Card

Whether or not your credit card issuer allows you to use an unactivated credit card, it’s always a good idea to activate it immediately.

Credit card activation, whether you do it via phone or online, is an important anti-fraud measure that your credit card issuer uses to make sure that your card got to the right place.

The bottom line: Most card issuers won’t let your credit card be used to make purchases until after the card is activated. Consider it a best practice to activate your card immediately to avoid any delays, hassles or issues with making purchases on the card.

Discover it® Chrome Student Card

Sponsored

Get Cash Back on Gas and Restaurants with Discover it® Chrome.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

Up Next  

What is a Credit Card Minimum Payment?

Explore More Topics:

You Might Also Like...