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"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.
For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers.
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Activation is a security measure so that we know the customer actually got the card." Safe and sound To stymie an attempted card theft, your issuer may ask questions to which only you know the answers.
A customer service representative may also compare the phone number you're using with the one in your application, a reason why some activation stickers specify that you should call from your home number.
Chances are, you'll never know whether your card comes locked-down or ready to use unless you give it a try, as did Eva Graham, of Newington, Conn..