Kathmandu. A credit card is an electronic payment card issued by banks with a pre-set credit limit, which helps you do cashless transactions and has many benefits. A credit card balance is the total amount remaining after deducting expenses from the credit limit. The best way to avoid credit card pitfalls is to regularly check your credit card balance. Doing this is as simple as it is important, and to make it easier for you we have listed the available ways in which you can easily check your credit card balance.

It is important to know the credit card balance in order to avoid unnecessary charges by effective financial management or to avoid common mistakes when we use credit cards. Some of its advantages are: To check available card limits: Tracking your credit card balance allows you to stay within your credit limit and avoid overspending. It helps in planning spending to avoid debt and financial stress.

  Avoid Card Fraud: Checking your credit card balance will alert you to any fraudulent or unauthorized transactions on your card. This will help you to report and resolve such issues immediately.   Improve Credit Score: Paying off your credit card balance on time will improve your credit score and enable you to get better credit products and services.

 1. Through mobile apps: Banks have released their own proprietary apps to increase engagement with their customers. You can check credit card balance online from your mobile app.

2. Bank statement: The bank provides details like credit card balance, payment due date and credit card agreement through SMS or email. The bank statement provides information on what to do if the credit card is lost.

3. Through ATM: To know the balance of your credit card, you need to enter the pin number of the card to select the card balance option by swiping your card at the ATM. After entering the PIN number of the card, the credit card balance will be displayed on the screen. In this way, you can get the details of the balance on the card.

4. By calling the customer service branch: If you are not comfortable with net banking or mobile banking, you can inquire about your credit card balance and available credit card limit by using the card number to check the credit card balance.

5. Visiting a bank branch: If you are using the card for the first time, visiting the nearest bank branch can be very useful for you if you have time to inquire about the credit card balance. Credit card balance information can be obtained from bank colleagues.

  6. Internet Banking: It is a way to check credit card balance online. You need to register your credit card with internet banking facility. If you are an existing customer, your credit card will be mapped directly to the account. You have to use it manually.