How to activate a new credit card

When you receive a new credit card, it can be exciting to start using it — but first, you need to activate it. Activation is a quick but important step that confirms your card has reached you and helps protect you from fraud.

In this guide, we’ll walk you through how to activate your card, what to check before you start spending, and how to manage it safely.

Why activation is important

Activating your card helps protect both you and your provider by:

Preventing fraud: The card can’t be used until you confirm it’s in your hands.
Confirming you've received it: Your provider knows the card hasn’t gone missing in the post.
Linking card to account: It connects your physical card to your account, so purchases and payments can be tracked.

Without activation, any attempt to use the card will simply be declined.

How to activate your credit card

Most providers let you activate your card in one of three ways:

Online

Visit your provider’s website.
Log in or create an account.
Follow the on-screen prompts to activate your card.

By phone

Call the activation number that comes with your card.
Confirm your identity.

Via mobile app

Log in to your provider’s app.
Select your new card and follow the instructions to activate it.

💡 Tip: Keep your card details and PIN secure during activation — and never share them with anyone.

What to do before using your card

Once your card is activated, take a few steps to stay in control:

Check your PIN. It may arrive separately, or you may be asked to view it securely in your online account or app.
Check your limit. Know how much you can spend.
Review terms and fees. Make sure you understand interest rates, annual fees, and other charges.

Tips for using your new credit card responsibly

Activation is just the first step. To make the most of your card:

Pay your balance in full each month to avoid interest.
Keep track of your spending. Only spend what you can afford to repay.
Set up alerts or automatic payments, e.g. Direct Debits, to avoid late fees.
Use your card for planned purchases rather than extra money to spend.

Responsible use helps you build or maintain a good credit history.

Getting started with confidence

Activating your card is simple but using it wisely is key. Treat it like borrowed money you need to repay, keep your balances low, and pay on time. Doing so will help you stay in control of your finances and gradually build a strong credit record.

With careful use, your new credit card can be a helpful tool for everyday purchases, emergencies, and even rewards, without putting you at risk of debt.

Disclaimer: We make every effort to ensure content is correct when published. Information on this website doesn't constitute financial advice, and we aren't responsible for the content of any external sites.

Fiona Peake

Personal Finance Writer

Fiona is a personal finance writer with over 7 years’ experience writing for a broad range of industries before joining Ocean in 2021. She uses her wealth of experience to turn the overwhelming aspects of finance into articles that are easy to understand.