Make sure you call from your home phone—or the phone number that you put on your application. Rewards credit cards will also come with a benefits guide that you’ll want to reference to learn more about taking advantage of the benefits and perks of your credit card. Be sure to know your credit limit so you can keep your spending below the limit. Downloading the credit card issuer’s smartphone app will let you quickly and easily check your balance and available credit on the go. All the major credit card issuers let you register your account online and some have extra perks with the online account, like payment planners or spending analyzers. Your credit card issuer may even have a smartphone app that makes it easier to access your account anytime and anywhere. Visit your credit card issuer’s site to see if paperless billing is available and to sign up. Keep in mind that once you sign up for paperless billing you will no longer get a statement in the mail. Be aware that things can go wrong with autopay. For example, you have to confirm the scheduled payment is at least the minimum payment due to avoid late charges. And, you’ll have to be sure to cancel payment when you have a $0 balance.
