As of August 2019, there were a total of 51.7 million active credit cards in India. The robust number indicates that more individuals are now opting for cashless transactions and prefer credit cards over most financial instruments. Subsequently, to make the most of credit and its benefits, new users should make it a point to learn more about their credit card and its associated features and benefits. To begin with, they should find out how to check credit card balance quickly and read the statement correctly.

Methods to check credit card balance

Users can check their credit card balance by trying facilities like –

• SMS

Individuals who intend to receive SMS alerts and notifications pertaining to their account transactions are required to subscribe to it. Once subscribed, they would be notified immediately after any transaction is made through their credit card.

• Net banking

Alternatively, cardholders can access the net banking services by logging into the portal and track their credit card balance and monthly statement on any device.

• Mobile apps

Likewise, different financial institutions extend designated mobile apps to monitor credit card transactions, balance, and overall expenses. For instance, Bajaj Finserv RBL Bank SuperCard users access the RBL MyCard App to track their credit card balance and transactions all in one place. Users can make the most of this feature and benefit their financial management accordingly.

• Customer care service

Alternatively, users can contact the card provider’s customer care to check their account’s balance quickly and easily.

• ATM

Similarly, users may opt to get in touch with a customer service executive representing the credit card. Doing so, they would not only be able to find out more about their credit card account but will also gain substantial insight

Notably, such methods, i.e. using ATM or getting in touch with the customer service require cardholders to offer information related to their credit card account, hence keeping it handy would prove effective. On authenticating the same, users would gain details pertaining to their credit card balance.