• Chase Debit Card Activation Phone Number

If you open a credit account, odds are your new card will arrive in the mail with a sticker attached and instructions to activate the card.However, depending on the issuing bank and why you’re being sent new plastic, some new cards may arrive “live.” Some work prior to activation, some work but only for limited transactions and others might not need to be activated at all.Why the mix of procedures? For card issuers, it’s about balancing convenience and security, according to Doug Johnson, vice president and senior adviser for risk management policy for the American Bankers Association. If a card is sent already activated, “The bank is making the determination that convenience for the consumer outweighs the potential risk that may occur,” he added.Here’s what you should know about today’s mix of credit card activation processes:Card activation calms fraud concerns.

Essential reads, delivered weeklySubscribe to get the week’s most important news in your inbox every week. Subscribe For many card issuing banks, requiring cardholders to activate new cards is common and the process helps keep accounts secure.To get a general sense of how issuers implement card activation procedures, CreditCards.com contacted eight card issuing banks: U.S.

Bank, Bank of America, Capital One, American Express, Wells Fargo, Chase, Pentagon Federal Credit Union and Navy Federal Credit Union. Representatives from all eight institutions confirmed that card activation procedures are used at least some of the time and all cited security as a reason for requesting that cardholders verify their new cards.“We believe activating new accounts provides an additional layer of security, and we don’t think it provides a big barrier to their accounts,” said Randy Hopper, vice president of credit cards for Navy Federal Credit Union. I think the biggest thing cardholders should know is if they are sent a pre-activated card and someone else uses it, the cardholder will not be responsible for that transaction.— Doug JohnsonAmerican Bankers Association“For example, a card member receives their new card, puts it into their wallet and proceeds to use it for low dollar charge at a merchant they frequent, such as the coffee shop they visit every weekday morning in their neighborhood. Because we understand what typical behavior is for our card members, we would approve that charge and be relatively certain that the card was used by the card member,” said Tufts.Now, if you try to use a brand new credit card prior to activation and it doesn’t work, don’t be surprised. Some banks, such as Navy Federal Credit Union, have set up new card accounts so no transactions will be approved until the card is activated.“If it’s a new card, then no, it won’t work,” Hopper explained. “In the system there is essentially an activation flag that won’t allow any activity until the flag is removed through the activation process.”Unactivated Wells Fargo and Pentagon Federal Credit Union cards won’t work if unactivated, either. Capital One was a little less specific, noting that “in general,” its credit cards cannot be used without activation, a representative said.Because practices vary among banks, if you receive a card with a sticker or note advising activation, activate the card before attempting to use it so you don’t get caught off guard.Some cards may arrive activeWhile most cards arriving in your mailbox will need manual activation at some point, there are some instances in which credit cards may be delivered pre-activated.Three of the card-issuing banks CreditCards.com contacted – U.S.

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Bank, Navy Federal Credit Union and Pentagon Federal Credit Union – noted specific instances in which cardholders may be sent active cards.“The only cards we send out NOT requiring activation are replacement cards (damaged, same account number, etc.),” said U.S. Bank spokeswoman Maureen Mook. “All other cards including new, reissue and lost/stolen cards require activation.”. Navy Federal Credit Union follows a similar card activation procedure. “The only case where it would be active is if their plastic is damaged and they just request a replacement card and we just send them a new one with the same number,” Hopper said.It makes sense that standard reissue cards would be sent already activated, according to ABA’s Johnson, so as not to disrupt any ongoing account activity while the card is in the mail. If the card number isn’t changing and there hasn’t been fraud associated with the card before, sending an active card through the mail may just be easier.However, all cards – new or otherwise — issued by Wells Fargo and Bank of America will need to be activated upon arrival, according to both banks. The same goes for cards issued by Pentagon Federal Credit Union, unless a cardholder specifically requests to have their card sent activated, according to spokesman Thomas Johnson.Capital One and Chase did not specify if cards are ever sent out preactivated, but Chase customers are all asked to contact the bank either online or by phone so Chase can, “make sure the customer’s card is ready for their next purchase,” according to Chase spokesman Rob Tacey.To find out whether your new card will arrive pre-activated or not, contact the card issuing bank.See related.

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Chase Debit Card Activation Phone Number

CreditCards.com does not include the entire universe of available financial or credit offers.