There may be certain reasons for which your Bajaj Finserv EMI Network Card can get blocked. As a result, you might be unable to use your card to buy products on EMI. Luckily, unblocking your card is easy. Once you understand the reason for which your card is blocked, you can unblock it via customer care or the Experia portal.
To unblock your EMI Network Card through customer care, here are the steps you would need to follow:
Step 1: Call the customer care helpline number at 08698 010101.
Step 2: Give the customer care representative the following details.
Your customer ID
Details of the problem you’re facing
Once this is done, your request will be processed and resolved and you will receive a notification for the same.
Step 1: Log into the Bajaj customer portal using a combination of your customer ID and password or your registered phone number/email ID and OTP.
Step 2: Head to the ‘My Relations’ section and click on ‘EMI Network Card.’
Step 3: Select the ‘View All’ option.
Step 4: Press the ‘EMI Card Details’ option.
Step 5: Pick the ‘Block/Unblock/Reissue’ option.
Now that you know how to unblock your EMI card, you need not worry about your shopping experience being interrupted ever again. Also, to ensure that your card does not get blocked in the first place, make it a point to pay your EMIs on time and ensure that your ECS mandate remains active. It’s also essential to remain credit-healthy to keep your EMI card functional. You can keep a tab of all your EMI card details with our easy-to-use app. Download today!
Bajaj Finserv may block your EMI Network Card for a range of reasons. These include:
Being unable to correctly submit the ECS mandate required
Failing to repay the EMI instalments on time
In case your CIBIL score drastically drops lower than 750
To restore your card and access to EMI Network Cards, you will have to make your EMI payments as soon as possible. This can help you improve your credit score and raise it to 750 or more. Resolving any ECS issue by speaking to your bank’s customer care or submitting a new ECS mandate with Bajaj Finserv can do the same too.
Your Bajaj Finserv EMI Network card could be blocked for any one of the following reasons.
You missed an EMI payment
You failed to furnish your ECS mandate
Your CIBIL score fell to a number below 750
The only way to unblock your card in this case is to pay your dues. Making your EMI repayments is simple enough and you can do it in any one of the following ways.
Visit the nearest Bajaj Finserv branch and settle your dues.
Use the mobile app to make the payment.
Pay the EMI through the official website.
Sign into the customer portal Experia to make your EMI payments.
Here are some things to keep in mind when you’re dealing with the ECS mandate issue wherein the EMI payments are not getting auto-debited from your bank account:
If your bank has not accepted your ECS mandate or if there are any inconsistencies with your account details, it’s best to leave nothing to chance
Submit a new ECS mandate at the nearest Bajaj Finserv branch
If you’re doing this at the beginning or during the middle of a month, ensure that you pay the advance EMI since it’s mandatory to clear all your EMI dues on or before the 22nd of each month
Till your ECS mandate is activated, you’ll need to perform this action manually
Once you’ve successfully resolved the issues surrounding your ECS mandate, your Bajaj Finserv EMI Network Card will be unblocked. It may take up to 45 days for the unblocking to be complete
In case your CIBIL score falls below 750, your Bajaj Finserv EMI card may be blocked for use. If this happens, here’s how to unblock your card:
Look into the reasons for your dipping CIBIL scores
If there are any dues that are unpaid, ensure that you settle them at the earliest
Take steps to restore your CIBIL score to 750 or higher
After you’ve restored your score, obtain a copy of your latest credit report reflecting your new CIBIL score
Share your report with Bajaj Finserv at www.bajajfinserv.in/reach-us and place a request for your card to be unblocked
In case your Bajaj Finserv EMI Network Card is blocked as a result of non-payment, you can follow the steps to unblock your card and start using it again within 45 days.
You can activate your blocked card by calling the Bajaj Finserv customer care number or through the Experia app.