5 Ways an Online Credit Card Account Can Benefit You

In today’s day and age, most of our important tasks can be accomplished online. Whether it’s booking airline tickets for a holiday or buying a sweatshirt – all can be done with the click of a button. Using the Internet to carry out important tasks not only saves us time but also requires less effort. This is precisely why you should consider opening an online credit card account as well. To create an online account, all you need is your account information, and once your account is set up, you’ll have access to the following benefits.

1. Check your billing statements: Every month, when your card issuer sends your billing statement, there’s a chance that it may get misplaced. In that case, you can easily log into your account to check not only your current statement but also previous ones. You can also opt for paperless billing so that you receive all your statements online.
   
   
2. Find Out Your Balance: If you want to know your credit card balance, you’ll either have to check your billing statement (which may contain outdated information) or call up your card issuer (which typically means wasting time navigating their “convenient,” automated, voice-activated phone system). However, if you have an online account, you can easily log in to check your balance as it reflects transactions that you may have made within the last couple of days. In fact, you can view your rewards balance and even redeem your points online.
   
   
3. Monitor Your Account: With credit card fraud on the rise, it is important to be on the lookout for fraudulent transactions. With an online account, you can monitor your credit transactions almost in real time and take necessary action the moment unauthorized charges appear.
   
   
4. Pay Bills: Your online account will provide you with information about your next due date as well as the minimum payment due. Moreover, if you have your checking account number and routing number, you can even pay your credit card bill online. This means you don’t have to worry about your check getting lost in the mail or not reaching the issuer on time.
   
   
5. Report Lost or Stolen Credit Cards: You can easily log on to the issuer’s website to report a stolen or lost credit card, and request for a new one to be sent to you. Plus, you can track whether the credit card has been used since it went missing and report unauthorized transactions quickly.

These days, most credit card issuers have apps for iPhone and Android users that can be downloaded from the App Store or Google Play. These apps also allow you to do most of the actions that you would perform on the website. However, a word of caution. While using online credit accounts, make sure you always input credit card user information on the correct website to prevent it from falling into the wrong hands. Also, make sure that you never log into your account from a public computer or while using public Wi-Fi. As long as you keep these points in mind, not only will managing your credit card account become easy and less time-consuming, but you will also be able to keep yourself safe from online hackers and criminals.

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