Credit Card Balance Check: Online, SMS, WhatsApp, ATM & More

Credit cards gained popularity for making payments for shopping, bills, recharges, etc. Many people prefer just tapping credit cards instead of cash. 

Using a credit card responsibly is necessary for avoiding any credit card debt. Checking credit card balance helps in making timely payments and avoiding debts. 

Credit Card Balance is the amount that the credit card owner owes to the credit card issuer which is yet to be paid. 

Continue reading to learn more about how to know your credit card balance.

How to Know the Credit Card Balance?

Checking credit card balance is important to pay your unpaid invoices, monitor available credit and identify any false transaction. There are multiple ways to check your credit card balance that are mentioned below- 

Online Banking-

You can check your credit card balance using online banking or net banking of your credit card issuer. 

Follow the steps mentioned below on how to know the credit card balance-

• Login to credit card issuer online banking page
• Go to credit card section
• Now you can check your account summary in order to know your credit card balance.

ALSO READ: Credit Card Bill Check

Mobile Banking-

Most of the banks have their dedicated mobile apps for making transactions easier. You can view your credit card balance on your credit card issuer’s mobile banking app. 

Check your credit card balance using the following steps-

• Download the mobile banking app
• Login to the mobile banking app
• Click on credit card option on the app
• Click on account summary 
• Now check your credit card balance 

These mobile banking apps offer some features like payment reminders to keep a check on your payments due and make timely payments. 

SMS Banking

You can check your credit card balance by just sending an SMS in a specific format on your credit card issuer SMS banking number.  

Here are SMS banking number for credit card balance check of some banks

Phone Banking

You can even check your credit card balance by calling the credit card issuer phone banking number. 

Here are Phone banking number for credit card balance check of some banks

WhatsApp Banking

Banks offer WhatsApp banking facilities to avail some of its services through the registered mobile number. 

You can check your credit card balance, just save the WhatsApp banking number and send Hi on the number and then follow the instructions on the chatbot. 

WhatsApp banking number of some of the major banks are mentioned below- 

ATM:-

Credit card holders can check their credit card balance using the bank's ATM. Follow the simple steps below-

• Visit your bank’s nearest ATM 
• Enter your credit card 
• Enter your credit card PIN 

Now, follow the steps on the ATM screen to check the credit card balance 

ALSO READ: Credit Card Billing Cycle

Credit Card Statement-

Banks generate a monthly credit card statement which is shared online or through mail which gives a rundown of your credit card balance, transactions, due dates, etc. You can refer to these credit card statements to know your credit card balance.

Conclusion

Checking credit card balance on a regular basis is essential as it helps to avoid overspending, stay in the credit limit, avoid missing out payments and maintain a healthy credit score. With multiple options available you can choose the best method that suits you to check credit card balance.