What is valid cc
Valid cc, also known as a valid credit card is a credit card or any chargeable card that is accepted by both sides where the card should not get declined while billing for a purchased product. It means that it is important to know whether your credit card is still active or not. A valid cc enables the user to make purchases and transactions while it is in good standing. There are situations where your credit card can be inactive. In such situations, you won’t be able to use them for any purchases or transactions. You can only use them while it is open and active.
There are many reasons why your valid cc can become inactive. One among them is your usage. If you are someone with many credit cards, you may forget to use a certain specific credit card. This can go on for many months or even years. During such situations, it is natural for the card issuer to deactivate your credit card. Another reason for the deactivation of your credit card is when you fall behind on your payments. During such situations, your credit card will be suspended temporarily. Another reason for the deactivation of your credit card is when you no longer re-issue your card.
All credit cards have an expiry date. Upon the expiry of the card, the cardholder has to apply for the renewal of the card. If not renewed, after the expiration of your credit card, you can no longer use it. It becomes inactive. So if you are trying to use an inactive credit card for making any type of transaction, your card will be declined. To avoid the embarrassing movement of your card getting declined, it is better to keep track of your credit card. Always check whether your card is still active or not before using it.
It is better to make sure that your credit card is still active and using it rather than getting yourself a little embarrassed and having to look for a backup option. The simplest way to check whether your credit card is still active or not is to make a call to your card issuer. Not only for asking about the validity of your credit card, but you can ask any kind of doubt or queries to them regarding your credit card. To know the status of your account, you can make a call to the number that you see on the backside of your credit card. Making a call to customer service and enquiring about your credit card will help you to get an update on your card.
If the card is inactive, with the help of customer service, you can reactivate your card. If you are not willing to make a call to customer service, then the other option you have to check the status of your card is to use it to make a purchase. If the card gets declined, it means that your credit card is inactive. But there are a few other reasons why your credit card gets declined. One is that your credit card got expired. The other reason is that you reached your card limit. So, if you are going to check the status of your credit card by making a purchase, you must have an additional payment option with you.
Why you should make regular checks on your credit card?
Imagine a situation where you lost your credit card or you misplaced it somewhere and cannot find it. Also, you don’t remember your credit card number. What will you do? During such situations, get into the official website of your card issuer and their official number. Remember that you are going to give your personal information to the issuer. So make sure that the website from which you take the issuer’s number is official. Once you make a call, you can give your social security number so that they can locate your account. Also, if you want, you can ask for a replacement card. The issuer can send you one if you have an active account.
Credit card reports are very important if you are a credit card holder. Keeping a random check on your report will give you an idea of the status of your credit card. Every month, credit card holders will receive a report from the credit card issuers regarding their card status. It means that you can find out whether your card is closed or not from your credit card report. But this doesn’t mean that it will inform you anything about your account. To know the details of your account, you must contact your card issuer. Other than the issue of pilling up the bills, if you find your credit card to be inactive, you can reactivate it by making a phone call to your issuer.
For the reactivation, you may have to pay a small fine. After paying it, you can use the card again. But if your card is completely closed because of unpaid bills, then you won’t be able to reactivate it. Checking the balance of your credit card is important. You must be aware of how much credit you have left before going for any purchase. You can get this kind of information from your card issuer. All you have to do is to ensure that your card is still active. Knowing your credit enables you to make purchases without exceeding the credit limits.
Even if your card is inactive, you have to pay a certain minimum balance. Not paying off your credit bills correctly means you have to face serious consequences. It will affect your credit score and also, and you may end up paying a fine. Having a zero balance on the credit card will not affect your credit score. But if the card remains unused for a long time such that the card issuer chooses to deactivate your account, then, your credit report will be negatively affected because of the zero balance. This mainly shows the responsibility that you have for your account.
