Unblock Credit Card

How to Unblock a Credit Card?

A credit card is a great instant financing tool. You can borrow money on it to pay for your purchases and repay the sum later. However, if your card is blocked you would not be able to avail this advantage or any of the other benefits that come with a credit card.

Reasons for Blocking Your Credit Card

Your credit card can be blocked by you or your credit card issuer under certain circumstances. These are listed below-

1. You exhaust your credit limit- If you spend more than the credit limit, your card will get blocked automatically by the bank.

2. You default on several bill payments- If you fail to pay your credit card bills multiple times, your credit card will get blocked. You would then need to pay the entire outstanding balance along with the fines charged on the card.

3. There is suspected fraudulent activity on your card- If there is any suspicious activity detected on the card, you can raise a request to block your credit card. The bank too can block the card if it deems it necessary for security purposes.

4. The card is lost or stolen- If your credit card is lost or stolen, you must immediately contact the bank and close your credit card account.

Now, if your credit card is blocked due to any of the reasons mentioned above, here is how to unblock it.

Ways to Unblock your Credit Card

If you are wondering ‘how to unblock my credit card’, there are several ways to do so. However, the method you need to follow would be mentioned in the guidelines issued by your bank. Here is a list of ways in which you can attempt to unblock your credit card-

• Calling the Customer care number

You can call the credit card customer care number of the bank and explain your wish to unblock your credit card. The bank executive, post validation, would process your request.

• Sending an SMS to the Bank

You can send an SMS to the bank, by typing in the associated keyword for unblocking a credit card, as specified by your bank, and initiate the process of unblocking a credit card.

• Writing an Email to the Bank

You can also write an email to the bank and request to unblock your credit card. You would need to mention details pertaining to the card, such as your credit card number, card expiry date, and cardholder’s name in the email copy.

• Visiting the Bank Branch

You can visit the nearest branch of your bank and reach out to a bank official. You can explain the reason why the credit card was blocked in the first place, along with your desire to unblock your credit card. You would need to carry photo ID proof and details regarding your credit card account when visiting the bank.