To validate a credit card is legitimate:

  1. Verify it against the Luhn Algorithm. (Will only validate the card number is in a valid format).
  2. Verify the card number against known Issuer Identification Numbers.
  3. Perform an Authorization Only (aka AUTH ONLY) for 0.01 if your processor does not support zero auths). This is the only guaranteed way to verify a credit card exists.
Answer from John Conde on Stack Overflow
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LinkPay
linkpay.io › blog › how to check if credit card is active online: the devil is in the details
How to Check if Your Credit Card Is Active: Steps to Follow
April 8, 2025 - So, how to check if a credit card is active? Here are 2 options for you: Via Mobile. Your shiny new card probably comes with a sticker sporting a phone number. Just call it up, follow the automated prompts, and your account will be good to go. Alternatively, you can look it up via your bank’s mobile app.
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Credit One Bank
creditonebank.com › articles › how-to-check-if-your-credit-card-is-active
How To Check if Your Credit Card is Active | Credit One Bank
November 20, 2025 - Wondering if your credit card is active? Learn how to quickly check your card status and what steps to take if it’s inactive. Credit One Bank explains.
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Chase
chase.com › education center › credit cards › credit card basics
How Can I Check if a Credit Card is Active? | Chase
September 19, 2023 - Before you use a credit card, you may want to check if the credit card is active. You can usually do this over the phone or online. Learn more in this article.
People also ask

How do I check if my credit card is blocked or not?
You can call the number on the back of your card to confirm if the issuer has placed a block on your account and see if there is a way for you to lift it. From suspicious activity to travel and merchant holds that might reduce your credit limit temporarily until you pay a bill, there could be many reasons for a credit card block.
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americanexpress.com
americanexpress.com › credit intel › cards
How Can I Check if a Credit Card Is Active?
How do I make sure my credit card is closed?
Should you cancel a credit card account, there are several ways to verify to make sure your credit card is closed. You can call the issuer to confirm with them and check your latest credit report to see if the account appears as closed. In fact, you may want to check your reports closely in the months following the closure to ensure everything appears as it should.
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americanexpress.com
americanexpress.com › credit intel › cards
How Can I Check if a Credit Card Is Active?
Does it hurt your credit to reopen a closed credit card?
Reopening a closed credit card may have negative credit score consequences, like a lowered credit limit that increases your credit utilization rate. However, you may benefit from a reinstated account if the card increases your credit limit. Remember that your interest rate on revolving balances could increase, and there may be new annual fees and other term changes upon reopening.
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americanexpress.com
americanexpress.com › credit intel › cards
How Can I Check if a Credit Card Is Active?
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American Express
americanexpress.com › credit intel › cards
How Can I Check if a Credit Card Is Active?
October 10, 2025 - Learn how to check if a credit card is still in use, and what to do if it’s closed. To see if your credit card is active, try using your credit card or calling the number on the back to ask the issuer if the card is in use or if the account was ever activated or used. You may also be able to log in to your credit card issuer’s app or online banking account to check for a balance, review any recent activity, or see if there’s an upcoming billing cycle.
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Google Play
play.google.com › store › apps › details
Credit Card Checker - Apps on Google Play
Credit card checker supports all major card types so you can validate any credit card, debit card, prepaid card and virtual cards. ... Safety starts with understanding how developers collect and share your data.
Rating: 4.3 ​ - ​ 113 votes
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The Balance
thebalancemoney.com › how-to-know-if-your-credit-card-still-active-960154
How to Check If Your Credit Card Is Still Active
August 22, 2024 - Unfortunately, if it is completely closed, you may not be able to open it up again, especially if it was closed because of delinquency. · Once you've confirmed that your credit card is still active, you need to know how much you're able to charge. Ask the issuer or check your account for your current balance and available credit before making any purchases.
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WalletHub
wallethub.com › answers › cc › check-if-credit-card-is-active-2140849580
How to Check If Your Credit Card Is Active
April 30, 2025 - Depending on the credit card you have, there might be several other ways to see if it’s still active. Contact the issuer: Call the customer service number you see on the back of your credit card. You can probably find the issuer's contact information on their website, too. Speak with a representative to verify the status of your credit card. Check the card: Physically check your credit card and look for an expiration date.
Find elsewhere
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DNS Checker
dnschecker.org › credit-card-validator.php
Credit Card Validator | CC checker
This will help them make sure that the card is legitimate and belongs to an actual bank. To check your own credit cards and find information related to them: If you only have your card number at hand, and not the actual card, you can find out the essential information about the latter by using our credit card validator.
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Smallseotools
smallseotools.com › credit-card-validator
Online Credit Card Validator With Issuing Bank Name
Credit Card Validator allows you to check if it is valid or invalid. To verify Enter the credit card number with the issuing bank name.
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YouTube
youtube.com › creditguide360
How To Check If Credit Card Is Active Online? - CreditGuide360.com - YouTube
How To Check If Credit Card Is Active Online? Curious about how to check if your credit card is active online? In this informative video, we'll guide you thr...
Published   September 8, 2024
Views   4
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Dhgate
smart.dhgate.com › home › simple and reliable ways to verify if your credit card is activated
Simple and Reliable Ways to Verify if Your Credit Card Is Activated - Smart.DHgate – Trusted Buying Guides for Global Shoppers
November 15, 2025 - So, you’ve just got your shiny new credit card in the mail, but how do you know if it’s actually ready to use? Sometimes it’s not obvious at first, and the
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Google Play
play.google.com › store › apps › details
Check Card: Credit & Debit - Apps on Google Play
Verify Card: Check & verify credit card & debit card. Valid bank card.
Rating: 4.6 ​ - ​ 912 votes
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Discover
discover.com › card smarts › using your credit card › how to activate a credit card
How to Activate a Credit Card | Discover
June 4, 2025 - To confirm that the credit card is active and ready to use, you could call the phone number listed on the back of the card, check your online portal, or use the credit card issuer’s mobile app. In most cases, once you activate your new credit card you can use it right away. You’ll be able to use the card if the account is open and the card hasn’t expired.
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Quora
quora.com › How-do-I-know-if-a-credit-card-is-active
How to know if a credit card is active - Quora
Answer: Use it in a shop or online and see whether it works…provided you still remember the PIN because that may be needed in case of a physical store… If you are in India, you may need to enter the One Time Password instead of the PIN - ...
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Get Your Family Their Own OneCard
getonecard.app › blog › how-to-activate-credit-card
How to Activate Credit Card Online
November 15, 2023 - Alternatively, you can also check the status on the mobile app of your card issuer. To activate your new credit card, you can choose from various methods, such as online activation through the issuer's website or mobile app, offline activation via SMS, or by contacting customer support.
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Quora
quora.com › How-do-I-know-if-a-credit-card-number-has-money-and-is-active
How to know if a credit card number has money and is active - Quora
Answer (1 of 23): To quickly check if the card number is valid one * Step 1a. For a card number with an even number of digits (e.g., Visa or MasterCard), double alternating digits starting with the first digit in the sequence. * Step 1b. For a card with an odd number of digits (e.g., American ...
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Reddit
reddit.com › r/nostupidquestions › anywhere i can test credit card/debit credit card online?
r/NoStupidQuestions on Reddit: Anywhere I can test credit card/debit credit card online?
June 29, 2023 -

Credit card was declined online and I want to see if it's the particular site or if something else is going on. Anywhere I can test? I was thinking make an order on walmart and then cancel but idk if they'd ship it as soon as the charge went through or if I had to wait a while for them to make the charge.

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Bincodes
bincodes.com › creditcard-checker
Validate, Verify & Check Credit Card or Debit Card Number
Credit Card / Debit Card Number Checker tool is designed to check the validity of Credit Card / Debit Card Number and check the (BIN) base on updated database. The tool support all major Credit Card & Debit Cards brands such as as VISA, MasterCard, American Express, Diner's Club,JCB & Voyager.