Up for sex no credit cards needed
Still others, reluctant to slow down a dedicated shopper, will allow a handful of purchases before you're forced to activate.
"In the card world, there's a lot of issuer discretion, so this is one of those things where there's no hard and fast rule," says Peter Ho, product manager for card services and consumer lending at Wells Fargo.
Cynics would say the likely reason is that your phone call to activate your credit card provides your bank a golden opportunity to sell you something. "We have a credit card, which routinely seems to be compromised in some way, according to the credit card company, so they cancel the card and send us new ones," she says.
Once they have you on the phone, bank customer service representatives often launch into an extended sales spiel offering such add-ons as theft protection and credit monitoring. "Of course, when we call to activate the new cards, there is always a sales pitch along the lines of, 'Since your card was compromised, you should sign up for all of the identity protection services we offer.' It happens so frequently that my husband and I are beginning to think they're just doing this so that you have to call them, then they try to sell you stuff." But to Ho, of Wells Fargo, the activation call is exactly what it purports to be: a way to make sure your new credit card got to the right place. Our credit cards are sent through the mail stream, and we've heard of people rummaging through mailboxes and taking cards out.
In addition to writing for Credit Cards.com, she is a contributing editor at Reader's Digest, where she persuades subjects ranging from airline pilots to burglars to share what they're really thinking for her monthly "13 secrets" column.For most consumers, it's a familiar process: A new credit card arrives in your mailbox, you open the envelope, and the card bears a sticker reading, "Please call from your home phone to activate your card." Until then, your brand new credit card is as useless as a paperweight -- and just as secure, right? The startling truth is that while some unactivated cards are automatically declined, many others sail through a purchase without a hitch.