Credit Card Top Up Tutorial: a step-by-step guide
(Do This FIRST!)
Looking for a credit card top up tutorial? Whether you’re looking to add funds or transfer money between credit cards, this step-by-step guide can help. In our guide, we’ll walk you through the different options available for adding funds to your credit card, including online transfers, direct deposits, and mobile apps.
If you’re looking for more basic information on credit cards, check out some of our other articles:
- Advantages of Credit Cards
- Intro to Credit Card Basics
- The Top 5 Credit Card Types You Should Know About
There are a few different ways to do a credit card top up. You can:
- Online transfer
- Use a mobile app
- Set up a direct deposit
- Another credit or debit card
- Call your credit cards cc provider directly
The key thing to remember when you want to do a credit card top up is that the money has to come from somewhere – either a bank account, brokerage account, a different credit card from the one you want to top up, or a debit card.
Credit Card Top Up Tutorial:
1. Online transfer for a credit card top up
You can add funds to your credit card by doing an online transfer from your bank account. This is typically done through your credit card issuer’s website.
To do an online transfer, you’ll need to have the following information handy:
– Your credit card number, security code, and expiry date
– The amount you want to transfer
– Your bank account number
– Your bank routing number
– Login details
Once you have all of this information, you can log in to your credit card issuer’s website and initiate the transfer. If you have two-factor authentication setup, you may need to enter a verification code to get online access, depending on your financial institution. This is common with the chase credit card and chase bank credit cards.
After filling in your information and selecting how much money you would like top up, confirm payment and the new credit amount should be available on your credit card within 1-3 business days.
Your credit card company may have other options available, such as paying from your VenMo, PayPal account, or Zelle account. This varies depending on which credit card issuer you’re using.
2. Use a Mobile app for a top up
If you’re looking for a convenient way to top up credit cards, consider using a mobile app. With most credit card issuers, you can easily add funds to your account using your smartphone or tablet. Simply download the credit card issuer’s app and follow the instructions. In most cases, you’ll be able to credit your card in just a few minutes.
You will likely need the same information listed above, like your verification code and account number, if it’s not pre-saved in your phone.
Some credit card issuers may even allow you to link multiple credit cards to your account, so that you can easily transfer funds between them, I believe this is possible with the chase credit card, for example. To get started with credit card top-ups via mobile app, simply download the app from your credit card issuer’s website or from the App Store or Google
3. Set up a direct deposit to make credit card top ups easy
If you are looking for a convenient way to top up credit cards, consider setting up a direct deposit. With most credit card issuers, you can quickly and easily add funds to your account by having them transferred directly from your bank account.
How to set up a direct deposit enrollment
To set up a direct deposit, simply contact your credit card issuer and provide the necessary banking information. Most credit card issuers will then review your request and process the transfer within 1-2 business days. The capital one credit card should take approximately this long, for example. Depending on your credit card issuer, there may also be fees associated with setting up a direct deposit, so be sure to read the fine print before signing up.
Typically you can do this in several ways:
- Through your credit cards cc provider
- By calling your the credit card company directly
- By visiting in person
- Through the mail
Once you use the add account feature online, you should be able to top up credit cards with just a few button clicks using the same account in the future.
4. Another credit card or debit card for a top up
Using another credit or debit card to top up your credit card may only be allowed by some credit card issuers. This method has the advantage that it will typically make credit available immediately, whereas, other methods may not be immediate.
You should carefully consider the ramifications of this method, though, like if it will cause you to carry an interest-bearing balance on the credit card you’re using to top up. Remember credit card interest rates tend to be punitively high.
5. Call your credit cards cc provider directly to top up
Some credit cards cc providers will let you top up credit cards over the phone, while others will not. You will need all the same online details information listed above to provide over the phone if they do. Often they will tell you on their website if you can call, but of course, the easiest way to find out is to go ahead and pick up the phone.
With these five options, you should be able to find a way to top up credit cards that works best for you. Regardless of whether you choose to use an app or set up a direct deposit, having access to extra credit is a major benefit.
There are a few different ways that you can go about topping up credit cards cc. The best method for you will likely depend on factors such as convenience, fees, and availability.
If you’re looking for a quick and easy way to top up your credit card, consider using an online transfer service like Venmo, PayPal, or Zelle. Most credit card issuers offer this service, and it’s usually free or very low-cost. Just be sure to check the fee schedule before signing up.
If you’re looking for a more convenient option, consider using a mobile app. With most credit card issuers, you can easily add funds to your account using your smartphone or tablet.
If you’d like to see this process in action, try watching this YouTube video.