Whether you replaced a lost card or signed up for a new account, you have some work to do. Don’t worry. Just follow these guidelines to take the stress out of account setup.
Before You Activate
Review Everything: If you’re replacing a lost or stolen card, make sure you’ve reviewed all recent charges.
Digital Assistance: Check to see whether your card comes with a mobile app.
See what kind of account or credit monitoring — CreditWise®, for example — is available.
After You Activate
Safety First: If your new card is a replacement, be sure to destroy your old card immediately. You won’t need it anymore. If you’re opening a new account, check out what kinds of security features come with it. Do you have card lock or purchase notifications?
Go Automatic: Sign up for text alerts so you’re always on time and in the know about what’s going on with your account.
Set up automatic payments. Add your card to your mobile wallet so you can check out without having to take out your card.
Will you be using this card for any recurring payment accounts, such as video streaming? Online shopping? Utility bills? Car payments? Update your card information on file with these merchants to avoid late payments and fees.
Think Ahead: Consider how you’ll use this new card. Is it your go-to for everyday purchases? Will you use it for big-ticket items only? If it’s a rewards card, how can you make the most of your benefits? Do you earn more rewards on specific purchases, such as entertainment and dining? Or are travel rewards more your thing?
Once you’ve covered all the bases and answered the important questions, you’ll be ready to enjoy your new card with confidence. If there’s a problem, contact your card company immediately.