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Methods to close Bajaj Finserv RBL Bank Credit Card

Bajaj Finserv and RBL Bank give users a Bajaj Finserv RBL Bank Credit Card easy and hassle-free credit card cancellation options. You can close your Bajaj Finserv RBL Bank Credit Card online or offline in case you wish to no longer avail the services of this 4-in-1 credit card. Discussed below are various methods on how to close Bajaj Finserv RBL Bank Credit Card online and offline, the consequences of cancelling an Bajaj Finserv RBL Bank Credit Card on your credit score, and other frequently asked questions on the Bajaj Finserv RBL Bank Credit Card close process.

Close Bajaj Finserv RBL Bank Credit Card Via Email

Write to supercardservice@rblbank.com

Close Bajaj Finserv RBL Bank Credit Card Via Customer Care

Call 022-71190900

 

How to Close Bajaj Finserv RBL Bank Credit Card Online?

Bajaj Finserv enables you to submit a request to cancel or deactivate an Bajaj Finserv RBL Bank Credit Card online. You can send an email to supercardservice@rblbank.com and provide the appropriate credit card and personal information for more assistance in closing your Supercard.

How to Close Bajaj Finserv RBL Bank Credit Card Offline?

  • Cancel Bajaj Finserv Bajaj Finserv RBL Bank Credit Card By A Written Request

Send a letter to the nearest branch of RBL Bank stating that you would like your Bajaj Finserv RBL Bank Credit Card to close. You may need to send your card split in half, diagonally across the chip or magnetic stripe, along with the cancellation request.

  • Cancel Bajaj Finserv Bajaj Finserv RBL Bank Credit Card By Customer Care

You can make a call to the Bajaj Finserv RBL Bank Credit Card customer care executive at 022-71190900 and enquire about how to deactivate Bajaj Finserv RBL Bank Credit Card. The customer care executive might ask you for details such as your name, date of birth, credit card number and guide you on steps to close Bajaj Finserv RBL Bank Credit Card.

  • Cancel Bajaj Finserv Bajaj Finserv RBL Bank Credit Card By Visit The Bank Branch

You can speak to an executive and make a cancellation request at an RBL branch. You might be asked to submit details such as your name, date of birth, credit card number, etc. Upon receiving your cancellation request, the executive would check whether you do not have any outstanding dues by using this information.

Things to Keep in Mind as you Close your Bajaj Finserv RBL Bank Credit Card

  • Firstly, before beginning the process and to save time, clear all your unpaid dues.

  • Remember to redeem all the loyalty points and credit card rewards you have earned before you think about cancelling your credit card.

  • Bear in mind that if you have had a credit card for a while and made all the credit card payments on a regular basis, cancelling it will shorten your credit history and may harm your credit score.

What Happens to Your Credit Score When you Close an Bajaj Finserv RBL Bank Credit Card?

If you cancel your Bajaj Finserv RBL Bank Credit Card services, your overall available credit immediately comes down. As a consequence, it might increase the overall credit utilisation ratio, which in turn could negatively affect your credit score.

Moreover, if you deactivate Bajaj Finserv RBL Bank Credit Card and if it is presently your only line of credit, you risk to bring down your average credit history. Overtime, this could result in a steep drop in your credit score, eventually leading to your credit score becoming invalid.

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FAQs On How To Close Bajaj Finserv RBL Bank Credit Card

✔️Can the Bank close my Bajaj Finserv RBL Bank Credit Card Account without me asking?

All credit card companies have the right to close your account due to inactivity and don't have to give you notice that they're doing it. If they close an account for other reasons, such as an adverse credit report, they must notify the cardholder within 30 days after taking the adverse action.

✔️Should I deactivate my unused Bajaj Finserv RBL Bank Credit Card?

In general, it's best to keep unused credit cards open so that you benefit from a longer average credit history and a larger amount of available credit. Credit scoring models reward you for having long-standing credit accounts, and for using only a small portion of your credit limit.

✔️In what cases should I close the Bajaj Finserv RBL Bank Credit Card?

If a card has high fees or a low limit, you may consider cancelling it. For low limit cards, your utilisation won't be harmed too much if you cancel. But keep in mind that it's better to close newer accounts, not accounts you've had since the beginning of your credit-building tenure.

✔️How do I close my Bajaj Finserv RBL Bank Credit Card online?

You can close Bajaj Finserv RBL Bank Credit Card online by sending an official credit card cancellation request via mail at supercardservice@rblbank.com. Make sure you provide the necessary personal as well as credit-card related information to ensure smooth processing of your request.