Nowadays, most people are looking for ways to save money on nearly all their purchases. One way to save money is by shopping with a credit card. As we speak, there are credit cards that allow you to get cash back for all the items you buy. One of these cards is the Credit One Bank American Express Card. Unlike other credit cards, this one offers the much-needed cash back at the rate of 1% for all the purchases made. Besides this, the card mentioned above has no limits on rewards. As far as the annual charges are concerned, this card comes with a $39 annual fee.
In addition, it comes with a 23.99% variable APR. The card also comes with zero fraud liability coverage, free credit score access, an extended warranty protection, and much more. All these features have made it a top choice for many cardholders. For you to get this card, you have to apply for it and then activate it. In this article, we shall discuss ways on how you can activate credit one card for you to use it for all your shopping expeditions.
Ways To Activate Credit One Card
As we speak, you can now apply for the Credit One Bank card online and then activate it later. Better still, if you have renewed it, you need to activate it as soon as you receive it. By activating this credit card, you will be alerting the Credit One Bank that you actually have their card and you would like to start using it. In fact, you cannot use this card without activating it first. By activating this card, you will be preventing the card from getting into the wrong hands, which can eventually lead to fraud.
It is imperative to note that you ought to activate this card within 14 days from the moment you received it. If you fail to activate it within this stipulated period, you might not be able to utilize the card to make payments or purchases out there.
This can even make your credit card account to be automatically closed. As a result, you might have to re-apply for this card. Therefore, you should ensure that you activate it within the above-mentioned period after receiving the card.
When it comes to the activation process, be sure that it will be as seamless as possible. As we speak, there are a plethora of methods that can help you get started with this process. Some of these methods include the following:
1. Activate Credit One Card Online
If you want to activate the Credit One card using this method, you should ensure that you have an online account first. After that, you will be able to log in to your account and then activate the card on the go. If you do not have an online account, you should register for it first.
All you need to do is to visit the official company’s website and then sign up. For you to activate your card using this method, you should visit the official site of this credit card. Typically, you should visit www.creditonebank.com.
Once you are on the homepage of this site, you will see various options, including ‘Set Up Online Account Access’. Click it, and then you will be directed to a section where you should enter your credit card details, including other personal details. Some of the details to fill in here include:
- Your official name
- Your Credit One card number
- Your Social Security Number
- Your Email address
- Your Signature Panel Code
- Your Username and Password
It is important that you read all the requirements listed there and fill them. Once you are done with everything, click ‘Continue’, and you will have successfully activated your Credit One Card. Since you will have activated your card online, you can now head to the login section and then enter the username and the password that you used to activate your account and then be able to access your account online.
2. Contact the Customer Care Representative
If you cannot activate the Credit One card online, you can consider contacting the customer care team of this card. To contact the customer care team, you should dial 1-877-825-3242. It is important to note that this number is toll-free and is usually printed on the sticker that comes with the credit card. Therefore, it will be easy to see it. If you do not see this number, you can check on the paperwork that came with the card. Chances are that you will find it there. If you reside in the US, you should contact 1-877-825-3242. However, if you live outside the US, you should contact 1-702-405-2042. Unlike other phone numbers, you can make calls to these telephone numbers 24/7.
Once you make this call, you will hear an auto prompt voice that will guide you on how you can connect to the customer care representative from the other end. It is essential that you follow all the prompts as instructed for you to get connected successfully to the customer care officer. Once you are able to connect to this professional, he or she will ask you a number of personal details for identity purposes. Some of the details that you ought to provide include:
- Your name
- Your date of birth
- Your Credit One card number
- Your Social Security Number
- The CVV number
When talking to the voice-automated system, you can provide this information using the keypad of your mobile device. After that, the professional will help you activate the card as soon as possible. Most people usually prefer this method to the online one due to privacy issues. The good news is that every detail you give the representative on the other end will remain as confidential as possible.
As you contact the customer care representative on the other end, consider using the telephone number that you provided during the application process. If you use a different telephone number, the activation process might take a little bit longer as the customer care representative might ask you for some additional information.
All this is done so as to verify that you are the legitimate person who wants to activate his or her card. Once they ascertain the details you have given them are correct, be sure that your card will be activated within minutes.
3. Using the ATM
Besides the methods mentioned above, you can now activate your card at your nearest Credit One card ATM. To get started, you should first visit your nearest Credit One card ATM and then swipe the card. Thereafter, follow the directions or prompts that you will see. Among the many prompts that you will see will include that option indicating ‘Activate Card’.
Click it, and then you will be prompted to enter your PIN. Enter your PIN and then follow any other prompts that you will find after that. If everything is done correctly, your card will be successfully activated. Once the card is activated, you will now be able to use to make purchases or even payments.
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FAQs – Frequently Asked Questions
How long does Credit One take to process the application?
If you have submitted all the necessary information as required during the application process, be sure that your application will be processed between 7 and 10 days. During this period, be certain that a decision regarding your pending application will be mailed to you.
Can I use my Credit One card before it arrives?
Yes. You can now use this card before it arrives. However, you should download the Capital One App. Since this app will show all the details of your card, you can trust that you will be able to use the card even before it arrives.
How long does the card take to arrive?
Once you have applied for the card, you should expect to have it after 10 business days. If you do not get the card within this period, you can contact the customer care team of this credit for further guidance.
Which credit score should one have in order to get a Credit One card?
Individuals with credit scores ranging from 300 to 670 can now apply for this card. Therefore, if you have poor to fair credit scores, you can readily apply for this card and use it to make payments and purchases.
Does Credit One give credit limit increases?
Yes. Typically, this takes place after every 6 months. However, there is no guarantee that you will get a credit limit increase as that is dependent on a number of factors such as your credit utilization ratio, your credit score, and how timely you make your payments.
How do I pay my Credit One credit card payment?
As we speak, you can make payments using this card either through the mobile app or online. Also, you can make this payment by phone by dialing 1-877-825-3242. Finally, you can make payment through Western Union, MoneyGram, or by mail.
Credit One credit card has become a lifesaver to many people as people with low to fair credit scores can now apply for it and use it to make purchases and get some cash back. Also, the card can be used to make payments along other benefits. All you need to do is to apply and submit all the necessary details as requested and then wait for the approval decision. Once your application has been approved, wait for the card and then activate it using either of the methods mentioned above. Consider these activation methods as indicated above, and you will be able to use the card to purchase items and even pay bills seamlessly.