Citibank cardholders can activate a new credit card online or by using Citi’s mobile app. Open the app and go to the Services tab at the bottom of the app and choose Card Services.

Since the Avant Credit Card's credit limit is so low, this is especially important. If your credit limit is $300, for example, that means you should aim to always keep your balance under $100. You ...

You can't avoid taking the hit to your credit score by keeping the new card unactivated. The credit inquiry becomes part of your credit report when you apply for the card, not when you activate it.

The Avant Credit Card can help you build credit without a security deposit, but it’s a basic, no-rewards option. Learn more in our full review.