How to Activate Finance House Credit Cards

How to Activate Finance House Credit Card?

Activating your new credit card from Finance House (FH) is a mandatory step before you can use it for any transaction. Here’s how to activate Finance House credit card.

1. Open your SMS App: Use the mobile number that is registered with Finance House for your account.
2. Write a New Message: Create a text message.
3. Enter the Code: Type the activation code in the following exact format: ACT [space] [last 6 digits of your credit card]. Example: If the last six digits of your card are 123456, the message should be ACT 123456.
4. Send the SMS: Send the message to the official Finance House SMS Banking short code: 2326.
5. Confirmation: You will get a confirmation SMS after successfully activating your card and ready to use.  

Why is It Important to Activate Finance House Credit Cards?

Activation is not just a check-off procedure; it is an essential security check and a prerequisite to using your credit limit.

• Immediate Security: New credit cards are sent to you inactive for safety. Activating the card confirms that you’ve received it and are ready to use it securely.
• Allows Transactions: You cannot use your card to purchase items or withdraw cash at the ATM until the card is activated and its personal identification number (PIN) is set.
• Adherence to Terms: The card agreement requires the primary cardholder to activate the finance house credit card as soon as it’s received to confirm acceptance of the terms and conditions.

Benefits of Activating Your Finance House Credit Card

Once you activate your Finance House Credit Card, you get immediate access to all the benefits and features it offers.

• Contactless Payments: Activation enables the "Tap & Go" feature. This lets you to pay quickly and safely by tapping your card on a merchant terminal.
• Digital Wallet Set-up: You can add your activated card to the most popular mobile payment options, such as Apple Pay or Samsung Pay, to make easy and very secure transactions over the mobile.
• Access to Offers: Activation will provide you with instant access to all card-related benefits, including the Value House Killer Deals exclusive, dining deals, and more.
• Complete Service: You can have complete access to services such as Balance Transfer, Easy Cash, and the Easy Payment Plan option for big purchases.

Important Tips to Keep in Mind When Activating Finance House Credit Card

Following these simple tips will ensure a smooth process when you activate Finance House Credit Cards: 

• Add the Right Phone Number: You must send the activation SMS from the mobile number registered in Finance House’s official records. In case the number changed, then report to the bank first.
• Check the SMS Format: Always double-check the SMS activation format: ACT [space] [last 6 digits of your card]. Mistakes will lead to activation failure.

How to Securely Manage Your Credit Card PIN

After you activate Finance House Credit Cards, the second important thing is manage the PIN, which is important for ATM and point-of-sale (POS) transactions. 

• PIN Generation/Change: The most secure and convenient PIN management is by using the official finance house personal app.
• PIN via IVRS: Finance House also offers the telephonic Interactive Voice Response System (IVRS) to set a PIN or change it. Contact the customer care phone and go through the automated options.
• Security: Select a strong and memorable PIN that is not related to your birthday, address or mobile number.

How to Activate Supplementary Finance House Credit Cards?

Supplementary cards are a great way to give family members access to credit while keeping control of the account.

• Application is Separate: Additional cards have to be applied for independently by the Primary Cardholder. They can be issued to relatives over the age of 18
• Supplementary Cards Activation: The supplementary card will have to be activated as well. The same methods used for the primary card, such as the SMS method using the supplementary card's last 6 digits, can be used. Activation should be done by the Primary Cardholder.

Troubleshooting Credit Card Activation Issues: What to Do

If you face any difficulty when trying to activate Finance House Credit Cards, follow these troubleshooting steps before calling the bank:

• Check Your Number: Make sure you are sending an SMS with the phone number that you are registered with the bank.
• Check the SMS Code: You should ensure that the text message is right: ACT with a trailing space, then the final six numbers, which must be sent to 2326.
• Check Network: You must have a good signal on your mobile network in order to send and get the confirmation SMS.
• Waiting PIN: Sometimes, the activation process requires the PIN setup to be done first, even though you have not been given a PIN separately.
• Contact Support: If the issue continues, call the Finance House Customer Support directly and report the problem.

Contact Customer Support for Credit Card Assistance

If you failed to activate your finance house credit cards or have any other card-related questions, the 24-hour helpline is the fastest way to get help.

• 24-Hour Helpline (Inside UAE): 600 511114

If you are not able to do it via SMS, you can call the 24-hour helpline and ask the customer service representative how to activate the finance house credit card.

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