Keeping enough cash on hand is essential to daily operations, whether you’re paying workers or buying raw materials for production. Financial management can be tricky, though.
To make things easier, check your prepaid Visa card balance online or by calling the toll-free number listed on the back of the card. This way, you’ll always know exactly how much is left to spend.
Check your balance
Whether you have a physical Visa card in your wallet or a digital one in your eWallet, it's always good to know how much credit is left on the card. If you're not sure, the good news is that it's easy to check the balance online or by phone. You just need to have your 16-digit card number and 3-digit pin (also known as CVV) ready.
If you have a physical card, check the back of the card for a toll-free number to call. The number will connect you with a representative who can give you information about your card's balance. You may also be able to find this information on the card issuer's website, though you may have to log in to access it. securespend
Another way to check your balance is to use an online calculator. These tools will ask you to enter your card number and pin to calculate the amount of money that is remaining on the card. However, you should keep in mind that pending transactions will decrease the available balance until they are cleared by the card issuer.
If you want to stay on top of your spending, you can choose to receive text or email alerts1 for low balances, verified transactions, and when funds load. You can even monitor multiple cards in a single login, eliminating the hassle of checking each card individually.
A prepaid Visa card can be used at any merchant that accepts Visa, including restaurants, gas stations, and supermarkets. It can also be used to make recurring payments, such as utilities and subscriptions. If you're concerned about losing the card, you can register it on the card issuer's website. This will help protect the card against fraud and theft.
If you're a frequent shopper, it's helpful to know how much is left on your Visa card before making a purchase. This will prevent you from overspending and potentially racking up debt on the card. The easiest way to do this is by visiting the card issuer's website and navigating to a 'Check Balance' or similar option.
Activate your card
When you receive a new credit card, it's important to activate it so you can use it. The exact instructions for doing this will vary by card issuer, but the majority of credit card companies offer some form of online or phone activation option.
In many cases, the easiest way to activate a card is by going to the card issuer's website and filling out whatever information it asks for regarding the new card. This website will also usually provide the balance on your new card and will give you the option to add a PIN, which can make it easier to use your new credit card.
Most card issuers will list the phone number for their credit card activation line somewhere on their website, so if you'd prefer to call, be sure to have your new card's numbers and the number printed on the back of it handy. The process will likely be similar to the online one, with you providing information like your name and address in order to verify that the card is being used by its rightful owner.
If you'd rather avoid using the phone or online method, another easy way to activate your card is to simply make a purchase with it at a place where Visa cards are accepted. Most of the time, this will automatically activate your card. Make sure to remove the sticker from the front of your card and sign it, as well.
Once you have your card activated, it's easy to keep track of its balance and transactions. You can do this through the card issuer's website or app, which will provide you with instant access to pending and posted transactions. You can also get text or email alerts, so you can always be aware of your card's activity.
You should try to use your card regularly, even if only for small purchases, in order to keep it active. This helps prevent it from being canceled due to inactivity, which can happen in as little as six months. You can also automate your card by putting a recurring charge, such as your internet bill or a subscription service, on it, which will help ensure that it gets used at least every couple of months.
Manage your account
If you are the recipient of a prepaid Visa card, be sure to check the balance regularly. This will help prevent your card from expiring or incurring fees due to dormancy. In addition, it will help you stay on top of your spending and payment due dates. You can do this online, by phone or at the physical location where your card was purchased.
You can also use the Activ Visa Card Balance app to manage your account on the go. The app is available for iPhone and Android. You can find cash reload locations, reload your card online and even set up automatic deposits with the free1 mobile app. The app gives you instant access to pending and posted transactions, and it offers text1 and email alerts that monitor low balances, verified transactions and when funds are loaded.
If you have multiple cards, the Activ Visa Card Balance app will let you see all of them on one screen, so you can track your spending and payments more easily. You can also set up automated alerts through the app to remind you of your payments and due dates. This is a great way to save time and eliminate the need to juggle multiple logins each month.
Pay your bill
Paying your credit card balance multiple times a month may help lower your utilization rate, which could in turn improve your credit score when the bureaus report your information. It can also make it easier to track spending and cut back on overspending.
Some cards come with a promotion that offers low or no interest for a certain amount of time after you transfer a balance. While this is a great way to get rid of some debt, it’s important to remember that you must pay the balance by the end of the promotion. If you don’t, you may have to pay surprise interest charges on new purchases made after the transfer date.
The credit card payment due date is generally the last day of your billing cycle, noted on your statement’s statement closing date. However, the credit card payment due date can vary depending on your lender.
You can use a variety of methods to pay your credit card bill. For instance, some cards offer mobile apps that allow you to manage and monitor your account from anywhere, including instant access to pending and posted transactions.
Another option is to schedule automatic payments from your bank account. Many cards even support auto transfers from checking or savings accounts, which can help you keep on top of your spending and avoid late fees.
You can also use your credit card to make a recurring monthly charge, like an Internet or phone bill, gym membership or streaming subscription. This makes it easy to track your spending and ensures you always have enough cash on hand to pay your credit card bill. And when you’re ready to make a payment, simply log in to your online account and follow the on-screen instructions. You can also select the “Pay from another account” link in the Bill Pay menu to set up a direct deposit.