What to Do When You Get a New Card

Your shiny new credit card just arrived in the mail. Now what?


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.

Download and set up any other digital tools — such as ENOSM, Capital One’s intelligent assistant — you’ll need for account management.

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.

Recurring Payments: 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.


We hope that you found this helpful. Our content is not intended to provide legal, investment, or financial advice or to indicate the Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.