Knowing your credit card's available credit before you go shopping will help make sure you stay within your credit limit. Going over your credit limit can lead to late payment fees and an increased interest rate. Here's how you can check the available on your credit card.
Difficulty: Easy
Time Required: 10 minutes
Here's How:
- Look at a recent copy of your billing statement. Many credit card issuers include your credit limit, current credit card balance, and your available credit. If you’ve made any payments or purchases since your last billing statement was mailed, the available credit may not be completely accurate.
- Log in to your credit card account online. If you can access your credit card information online, you may be able to verify your available credit through your credit card issuer’s website. Typically, your billing statement will include the web address to access your credit card account over the internet. Your online account will likely have the correct available credit.
- Call the customer service number listed on the back of your credit card. Follow the prompts to get your available credit or ask to speak to a customer service representative. You will typically be given the most up-to-date available credit when you call your credit card’s customer service.
What You Need
- Recent credit card statement
- Your credit card
