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 are three ways to check the available on your credit card.
Time Required: 10 minutes
- 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 on your statement may not be accurate.
- If you've created online account to access your credit card information, you can verify your available credit there. Your online account will likely be more accurate than your paper billing statement, unless you've made transactions or payments within the past day.
- Call the customer service number listed on the back of your credit card. Listen to the prompts for the option 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