For countries that are genuinely concerned about the disastrous environmental impact, plastic money seems to be the right choice. It is the ideal way and sensible adoption to produce sustainability and convenience. Plastic money is a concept that has considerably expanded and integrated into daily life affairs as a noteworthy replacement of cash and paper money. Debit cards, credit cards, store cards, and prepaid cash cards are all examples of plastic money. This type of money is readily available and significantly reduces the risk of dealing with a large amount of cash for security purposes and other reasons. There is no need to carry huge stacks of cash around as you can make the exact amount of payment with the help of a single card and a single button. Plastic money is trendy in most countries, and different banks and financial platforms mostly prefer using plastic money over cash.
How to check if a debit card is active online?
To check if the debit card is active, you can call the card’s issuer and ask. Call the number on the back of your card and check is your debit card active. If the debt card is inactive, customer service can reactivate the card.
A debit card is a popular form of plastic card which is issued and delivered by your bank. Instead of using cash, you can use debit cards to pay for any item, purchase, or service at any retail shop or to a merchant. Therefore, the same amount will be withheld from your bank account, acting as a safe alternative for cash. A debit card is directly interconnected to your bank account, either a savings account or a current account. Debit cards and similar cards have become extremely common, just like smartphones. They are not only a luxury but considered a basic necessity in the age of cashless dealings. However, you need to memorize and protect your PIN identification that is mostly required during transactions and the amount’s deduction. If you are new to the concept of debit cards or planning to renew an old or unused debit card, then you need to make sure that the debit card is activated from the bank. To make purchases and use ATMs or any other bank’s services, you need to activate your card.
When a new debit card is issued to you, you will receive a sticker or a brochure providing instructions regarding the card’s activation before use. However, if you do not have the sticker or have lost the mail brochure, there is no need to stress as the banks provide multiple activation methods. Different banks have a policy of double-checking your card activation status to save you from the trouble and embarrassment of a potentially inactivated card.
How to test if your debit card works?
To test if a debit card works you can try the following:
- Call Debit Card Company
- Use an Online Banking account.
- Visit ATM and test
- Try debit online purchase using a four-digit pin.
Call Debit Card Company – customer service.
Reliable banks and financial institutions have separate departments to answer customer concerns. The toll-free number for customer service is easily available online or mostly located on the respective debit card. If you are unsure about your debit card activation status, you can call the customer service number and check the activation status. However, if you require an in-depth interaction in response to your queries, you can also visit different bank branches available at multiple physical locations. A representative will be happy to assist you and activate your card right at the spot.
Online Banking account
Some customers prefer using their bank facilities via the bank’s online portal or apps. By logging into your personal account, you can also activate the debit card. Some banks provide an automatic facility of activating the card before a formal notice. If your bank provides automatic activation, then there is nothing to worry about; however, if the activation is not automatic, then you can still use the customer service or visit them in person.
Visit ATM and test
There is a policy of automatic activation if you withdraw or make a deposit via ATM. Some of the banks offer this facility if you use their ATMs. However, if you use an activated debit card on a different bank’s ATM, there are high chances of the deposit’s cancellation. However, you need to check your bank’s policy regarding this, as a few banks will also activate your debit cards if you use them at any other ATM.
Try debit online purchase using a four-digit pin.
Different banks have different policies, and some of the banks activate the debit card automatically if you make a debit purchase and with the help of a four-digit PIN. However, this option has certain limitations as you process your debit card as a credit card or use it online. You are most likely to experience an inactivated card.
The concept of plastic money may appear convenient and easy. Still, if someone gets access to the PIN, security code, or the expiration date, then the person in possession of the card may be able to use your activated debit card at different locations to withdraw money and make purchases. Debit card information is susceptible and should be kept under wraps to protect it from potential theft. Keeping a debit card significantly reduces your chances of visiting the bank at all times. You can use this card with any merchant or retailer and pay with the help of a swiping machine. You can easily extract money, get financial statements and other details of your finances with a debit card and ATM. Nowadays, different countries and governments are encouraging people to use cashless transactions. As part of the promotion package different outlets, platforms, banks and merchants provide sales, discounts, and offers on shopping if done through plastic money. As the concept is growing, you need to be mindful of the ATM frauds that have also significantly increased over time. Online hacking and fake swiping machines are some of the cons of using plastic money. It would help if you never shared your PIN with anyone to avoid potential theft and take extra safety measures to protect your information.
Credit and debit cards may appear similar in terms of appearance; however, their use and application may differ. Credit equates to buying or depositing money, goods, and avail services but paying for them later. However, if you avail of any facility or buy an item with the help of a debit card, a specific amount of money is deducted from your bank account at the very moment.