A method, system and apparatus for activating a credit card held by a telephone subscriber using identifying information provided through the PSTN to a credit card activation authority. In accordance with the present invention, a credit card activation management method can include activating a credit card through an established telephone call with a credit card customer using information derived from outside of the established telephone call without first prompting the credit card customer for identifying information. Also, the method can include the step of transferring the telephone call to a customer service representative responsive to a request for live help by the credit card customer.