David Morey 
You already have so many apps sitting on your smartphone — why not add another? Downloading your credit card issuer’s app onto your phone could be extremely useful. Find out why.
Checking Your Account Balance
Having your credit card app sitting on your smartphone will make it much easier to check your account’s balance. You’ll see exactly how much credit you happen to have available.
Knowing your exact account balance will come in handy when you’re facing an emergency expense and you don’t have enough savings sitting inside of your bank account to pay for it out of pocket. You might want to charge the expense to your credit card so that you can resolve the emergency immediately and make repayments later on. But before you make this unexpected transaction, you’ll want to know whether you have enough room on your card to cover it.
Logging into your app could give you the information you need to go through with this decision.
If you see your balance on the credit card app and you don’t want to add anything else to it, that’s fine. There are other borrowing options that you could look into. You could go to a website like CreditFresh and see whether you qualify for a personal line of credit there. If you meet the qualifications, you can submit an application for a line of credit loan, which could help you cover an urgent expense in a short amount of time. Your application for this credit tool just might get approved.
Finding Evidence of Fraud
Your credit card app will let you view digital statements of your previous transactions on the card. Being able to see all of your recent transactions will help you keep track of your day-to-day spending. It will help you determine whether you’re sticking to your personal budgeting goals or not. And most importantly, it will help you spot transactions that you don’t remember making. So, you can catch the signs of identity theft and credit card fraud quickly and hopefully put a stop to them before suffering any major consequences.
If you think you’ve become a victim of credit card fraud, contact your credit card provider right away. Your credit card app might have an easy way to report fraud through the app. If it doesn’t, call the number on the back of your credit card and inform a representative that you believe you are a victim of credit card fraud. The representative should cancel the affected card to prevent any further unauthorized transactions from taking place, and then they should arrange to send you another card as a replacement.
Tracking Your Credit Score
Some credit card apps allow users to track their consumer credit scores. If your credit card app has this feature, you should take advantage of it!
Your consumer credit score is very important when it comes to your financial life. It can determine whether you get approved for loans, including mortgage loans, auto loans, and credit cards. It will affect the terms of your approved loans, like what loan amount is offered and what the interest rate happens to be. With a higher credit score, you’re more likely to get approved for loans with favorable terms.
With this app feature, you can figure out whether your credit score is in a good spot — or if it needs some improving. If it’s looking too low for your liking, you can make some changes to improve your credit score, like paying bills on time and reducing your credit card balances. Over time, these changes should boost your score.
It’s time to download your credit card app to your smartphone. As you can see, it can provide a lot of important information in one small space.
