Early Credit Card Use and Instant Access
Using a credit card before it arrives is possible with certain cards. If you want to use a credit card early, you must have either an instant use card or a credit card that offers virtual account numbers.
Obtaining Your Credit Card Number
Your complete credit card number can be found on the front of your physical credit card. It may also be available in your online account when you log in, formatted differently depending on the financial institution.
Card Issuance and Activation
Can you use an unactivated credit card? Unactivated cards can sometimes be used to make purchases, but cardholder experiences may vary between issuing banks.
How Long Does It Take to Get a Capital One card? If you’re approved, you’ll receive your Capital One card by mail within 7 to 10 business days.
Can I use my Chase credit card without the card? To use Chase ATMs without your card, add your eligible Chase debit card to your phone’s mobile wallet app.
Choosing the Right Credit Card
While an instant-use card means you can use it right away, it’s important to find the right card for your spending habits and financial goals. Take your time to choose the right charge card for yourself that may help you maximize its benefits. Your credit score determines your eligibility for becoming a Chase customer. The 5/24 rule is applied by Chase Bank, where you are not eligible if you already have been issued five cards from any issuer.