How to access credit card payments online? It is possible to make your credit card payments online instead of calling your company all the time. Before you make payments, you will need to create an online account.
Your credit card account will give you access to all financial information related to your credit card.
In this article, you are going to learn how to create your credit card account, benefits of having the account, and how to access and make your payments through your account.
How to create a credit card account online?
You can create an online credit card account after receiving your credit card. The credit issuers have different steps you must go through in order to create an account.
The following are some of information you must get ready before you create your online account.
- Your Full name (as it appears on your credit card)
- Date of birth
- Address (mailing and residence)
- Social security number
- Your credit card number
- A valid email
- A phone number(optional in some cases)
- 3 digit on the back of your credit card
You will use this information when creating an online credit card account.
To create an account, go to your credit card provider’s website and find one of the following account creation options: create an account, sign up, new user, enroll in online banking, etc. Click on one of them and follow instructions on the website.
After creating your account, you will be able to manage your account without having to call your credit card provider all the time.
What can you do with your credit card account?
There are a lot of things you can with your credit card account and they will vary from one credit card issuer to another.
The following are common things you can do in your credit card account.
- Apply for a credit line increase
- Add or remove authorized users
- View, manage and use cash rewards
- Activate or deactivate your credit card
- You can register for travel
- View your credit score (in some cases)
- View your account activities
- You can view your monthly statements and print them
- Make payments
- Analyze your spending
How to make credit card payments online?
In order to make your credit card payments online, you must have an online credit card account.
Your credit card issuer will provide you an option to access and make payments online.
The steps you will take to make payments will vary based on the credit card company you use.
For example, the following are steps you need to take if you want to access and make your payments online using Discover.
Step 1: Log into your online account using your username and password
After login into your account, you will need to navigate to the payment section.
Step 2: Click on Activity and payments.
- Step 3: Under payments, select make a payment
After clicking on make a payment, you will be taken to a section where you can view, manage, and make payments.
Under your account activity and payments, there will be other options you can choose from such as statements, transactions, etc. as shown in the above image.
Can I check my credit score from my credit card account?
Some credit card issuers provide free credit score information to their customers. There is a chance that your company has that service.
To find out if you can see your credit score information for free from your account, check in your account or call your credit card issuer.
Other credit card providers have partnerships with third parties that let their customers see their credit scores for free.
There is always a way you can check your credit score for free online.
Follow the following related article to learn how you can check your credit score.
Related article: How can I check my credit score?
Benefits on having an online credit card account
- An online credit account will give you a chance to manage all your transactions without having to call the customer service number
- You can request for a line of credit increase and manage all your credit card’s benefits such as mile points and cash rewards
- You can make payments, view your payment history, or schedule a payment in seconds
- Some credit card providers may give you your credit score information and tips you can use to improve it
- You can report a stolen credit card instantly
- Your account can be accessed on your mobile device
Related article: 8 tips you can use to improve your credit score
