Know all about the different ways to run a credit card balance check and why
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Credit cards have made our lives easier, redefining the way we live and expanding our reach. These cards do not only let you transact easily and safely, but also help you convert the cost of your purchases into EMIs. Credit cards additionally offer attractive offers, rewards, discounts, and cashback.
However, the daily usage of credit cards requires constant monitoring and regulation. Knowing how to check your credit card balance is one of the best ways to keep an eye on what you have spent.
Your credit card balance is the sum of money you have spent on your credit card, which you need to repay. Running a credit card balance check helps you spend within your limit. It also saves your credit score from taking a plunge if you cannot repay on time.
There are several ways to find out your credit card balance, which include:
SMS
Call
Mobile app
Email
ATM
Branch visit
Read on to explore the methods that allow you to conduct a credit card balance check.
There are several reasons why it is essential to conduct a credit card balance check periodically.
You will be able to clear your outstanding by the due date and avoid interest charges
You can plan your future purchases in accordance with your outstanding bill and the available credit limit
You will be in a better place to spot fraudulent or unauthorised transactions, and notify the credit card issuer to block the credit card if needed
You can manage your finances better and be careful not to overspend
You can clear your dues on time and improve your creditworthiness, which helps boost your credit score
Learning how and why to check your credit card balance can help you address your finances smartly. If you are looking for the right credit card that helps you save more with a range of features, compare various options on the Bajaj Markets.
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FAQs About Credit Card Balance Check
How to check my credit card balance?
You can carry out a credit card balance check by using online and offline methods. For instance, simply log in to your internet banking account or the issuer’s mobile app. You can also send your bank an email requesting them to send you the credit card statement. In addition, you can check your balance by calling the customer care number, SMS or by using an ATM.
Can we check the balance on the credit card?
Yes, you can check your credit card balance in a hassle-free way online as well as offline. Top banks offer several ways to keep track of your credit card expenses, such as net banking, email, mobile app, customer care, ATM, and SMS.
How can I check my credit card balance offline?
You can check your credit card balance offline by calling the customer care number, sending an SMS, swiping the card at an ATM, or visiting your nearest bank branch.
Does the bank charge any additional fees if I want to check my credit card balance?
Most credit card balance check services are free, such as calling on a toll-free number, visiting the bank, checking on the net banking portal or the mobile app. The charges for SMS services are levied by the network operator and not the bank.
What is a credit card balance refund?
A credit card balance refund refers to the money that the bank owes you when you pay more than the outstanding amount on the card. In most cases, the amount is refunded to your credit card account, which results in a negative balance on the card.
Is credit score related to credit card balance?
Yes, your credit card balance can have a direct impact on your credit score. If the credit balance is high and you do not repay on time, your credit score may drop. The same happens if you spend more than the available limit. A high credit utilisation ratio over time can also bring your credit score down.
What happens if I overpay the credit card balance amount?
If you accidentally overpay your credit card balance amount, the issuing bank is required to reimburse the overpayment. Alternatively, you can let it roll over towards next month’s charges.
How to check credit card balance?
You can check your credit card balance in multiple ways, such as by visiting the bank branch or ATM. You can also use the mobile app or net banking or call customer care. In addition, you can also know your credit card’s outstanding balance through SMS alerts or by checking your monthly account statement.
Does credit card balance help in improving CIBIL score?
No, a credit card balance does not help in improving your CIBIL score. Instead, having an outstanding balance on a frequent basis will negatively affect your credit score.
How do I know when to pay my credit card balance?
You can view the due date of your credit card balance by checking your monthly billing statement. It is generated at the end of each billing cycle. Both the billing cycle date and the credit card balance amount are mentioned on the first page of the statement.
