How Long Do You Have to Wait After You Activate Your Credit Card?

How Long Do You Have to Wait After You Activate Your Credit Card?

How Long Do You Have to Wait After You Activate Your Credit Card?

Typically, a person can use a credit card immediately after activating it; however, many cards actually allow a consumer to use a card prior to activation as of 2015, according to CreditCards.com. This ease of use presents a risk in that someone could steal a card in the mail.

The notion that a consumer always can't use a card before activation is a myth, according to CreditCards.com. Most banks allow new card holders to use their pre-activated cards for low-risk purchases at a minimum. Among top brands, Discover and Wells Fargo require activation before use. However, Capital One and Bank of America allow small purchases.