There may be certain reasons why your Bajaj Finserv EMI Network Card can get blocked. As a result, you might be unable to use your Bajaj Finserv EMI Network Card at accepted shops 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 Bajaj Finserv customer portal.
Your Bajaj Finserv EMI Network card could be blocked either because you missed an EMI payment or failed to furnish your ECS mandate. In addition, if your CIBIL score falls to a number below 750, your card can get blocked.
You must get it unblocked to use it at the Bajaj Finserv EMI Network Card’s accepted stores.
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 by visiting the nearest Bajaj Finserv branch and settling your dues.
Alternatively, you can also use the mobile app or the official website to make the payment. All you have to do is sign into the customer portal, Experia, to make your EMI payments.
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. It is advisable to 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 have 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, after which you can use your Bajaj Finserv EMI Network Card at accepted shops.
In case your CIBIL score falls below 750, your Bajaj Finserv EMI card may get blocked. If this happens, 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.
Moreover, take other 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 (08698010101).