If you’re on the cusp of making a purchase but can’t quite recall if you have enough credit available, there are several different ways to access this information and put your mind at ease. The best way to check your balance really depends on two things: the amount of information you’re looking for and the connectivity and resources available to you. Not knowing the credit available on your card can be stressful but with one of these methods you can figure it out quickly and easily.
Get online if possible. If you have access to the internet, your very best option is accessing your balance online. Most credit card issuers offer an online banking or bill pay service that allows you to not only view your balance but also initiate balance transfers or pay your credit card bill online. This can be done either through a computer or a smartphone.
Go to your credit card provider’s website or open the provider’s app on your smart phone. If you have a computer, you will simply go to the company’s website. It should be listed on the back of your credit card. If you have a smartphone, download your credit card provider’s app if they have one. Otherwise you will need to use the web browser on your phone.
Create an online account, if you don’t already have one. If you’ve never signed up for online banking with your credit card provider before, be prepared to supply identifying information, such as your full credit card number, date of birth, and billing address.
Log into your account. To do this you will need to enter your username and password, whether you’re using the app or a computer. Once you’re logged in, find the link for “balances” and click on it. Here, you’ll find everything you’re looking for: real-time account balance, recent transactions, and anything pending that might affect the credit available.