The best way to check your balance or check your MasterCard balance depends on the quantity of information you’re looking for and the connectivity and supplies available to you. Even though not knowing the credit available on your card can be worrisome, below are some ways of checking your credit card balance.
Check credit card balance online
How can I check my credit card balance online? If you have access to the Internet, the best choice is retrieving your balance either through a computer or a smartphone.
If you are in possession of a computer, go to the company's website listed on the back of your credit card and on a smartphone, download your credit card issuer's app if they have one or make use of your phone browser.
To sign up for online banking with your credit card issuer, be ready to give unique information. This will require you to pick a username and password, easy for you to recall that no one else can guess. It is recommended to have complex unique usernames and passwords for your different online accounts. In order to activate your account, the credit card issuer will forward you an email with a link to activate your account.
Once you’re signed in, click on the link for balances where you’ll find the current balance on your credit card, recent transactions, and anything unresolved that might affect the credit available. When making online payments, you must also provide information about the bank account from which the payments will be drawn. Some online services will also allow you to review the archived statements, so you can compare your credit card balances over time.
Communicating with your bank for your balance
Use your phone if only your intent is balance inquiry through your card’s customer service. You will communicate with an individual who will access the info you need, but you might have to wait for a long time.
The customer service agent will request details to confirm your identity to ensure that the card you are asking about is actually yours.
Call the customer service number of your bank on the back of your card. This will guide you via an automated system that either tells you your balance automatically, or allow you to check your balance before you reach an agent.
Specify that you are inquiring you credit balance as a computerized system will guide you through the process. You will be asked to enter numbers on your keypad to indicate what choices you have picked, but if you talk to an agent, they will be able to tell you the credit balance and answer any other queries you may have.
Verifying your credit card statement
If you are not asking about fraud or disputing a transaction, questions regarding previous or pending activity may be best addressed by reviewing your monthly credit statement. Although some people opt to receive their credit card statements electronically, you might need to check your credit card account online or check any statements that have been emailed to you.
The balance should be indicated clearly on your statement. This will also allow you to go through the timeline that the statement covers to evaluate whether you have exceeded your credit limitor not.
The statement includes the total purchases you have made since the end of the billing period to the date of your statement, as it might not include the most recent payments. Other than that, the statement will also provide the default interest rate, and the remaining credit available for cash advances.