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How do I check the balance on my prepaid credit card?

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There are a few different ways to check the balance on a prepaid credit card using your phone or the Internet. Most prepaid credit card companies make it easy for cardholders to review their balances before swiping their cards, and you can use any these features to make sure you have enough funds in your account whether you're shopping from home or on the go.

Telephone Options

Call the prepaid credit card company, and speak to a live representative who can provide your account balance. The representative may require you to answer a few security questions based on your account information, and live service is typically available during the company’s regular business hours. There might also be an automated option that you can use at any time of the day to check your balance, and this feature might require you to enter your pin number or some other personal details that verify your identity.

Online and Mobile Applications

The service provider should have a secure website that you can log into from a computer, tablet or other device with Internet access. You should be able to see your account balance and other account information when you log into the site. The provider may also have a mobile application that you can download onto your phone that allows you to quickly access your account using the company's mobile website.

SMS Messages


credit card companies allow you to sign up for an activity notification program. The company sends you a text message or email every time the card is used, and the balance remaining on the card is included in the text. This feature also helps you immediately detect abnormal activity on the prepaid credit card.

ATM Readings

Many ATMs allow users to review the balance of any card that's put into the machine as long as the correct PIN is entered. If your prepaid credit card provider allows the ATM to take a reading, you'll be able to review your balance before withdrawing cash. While many ATMs offer this service free of charge, the Consumer Financial Protection Bureau does warn that some machines will charge a fee for checking a card balance.

Billing Statement

If you don’t use your card frequently and only need to check your balance when the bill is due, you can wait until a paper statement comes in the mail. Keep in mind, however, that this is not the quickest way to determine your balance, and the bill may not show your most recent transactions.

If you have a prepaid credit card, you can utilize all of these methods to check your balance. Knowing your card balance can stop you from going over your limit and ensures that you always have enough funds available to pay for your purchases.

Category: Credit

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