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How to Block And Unblock your Credit Card?

IndianMoney.com Research Team | Updated On Saturday, December 01,2018, 06:49 PM

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How to Block And Unblock your Credit Card?

 

 

What is a Credit card?

A credit card is issued by a credit/ financial institution or banks to enable the card holder borrow funds, whenever needed. The credit cards are issued on the condition that the borrower will pay back the borrowed amounts along with additional charges. The money that is borrowed on a credit card is known as ‘cash advance’ and there is a prescribed limit/amount up to which money can be borrowed. The issuer pre-sets borrowing limits which have a bearing on the individual's credit rating.

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How to Block And Unblock your Credit Card?

Most of the banks offer common ways to block your credit card:

Banks offer customer care services as well as online access to block/unblock your credit card. Listed below are the common ways through which you can raise a request to block/unblock the credit card as per convenience:

  • Call the helpline number/customer care
  • Send a SMS
  • Use net banking
  • Use mobile app
  • Visit the branch

How to Block SBI Credit Card?

The State Bank of India has both the online and offline facility of blocking credit cards. This enables users block cards in case they are stolen or misplaced. The banks ask customers to immediately raise a request to block any further transactions on the card.

Block SBI Credit Card Offline:

The offline method can be used by calling the bank or raising a request through SMS. Given below are the offline methods to block the credit card:

  • Visit the nearest branch: you can visit the nearest branch to raise a request and block the card. Provide the bank with the card number and other identification details to complete the process.
  • Call the helpline number: Call SBI helpline 1860-1801-290 or 39020202, by prefixing your local STD code and raise request to block the card. You can also call SBI toll free number 1860 180 1290. Make sure you provide credit card number and the details to quickly process the request.
  • Send SMS: you can send an SMS with last four digits of your credit card number to 5676791.

Block SBI Credit Card Online:

Customers who use net banking can instantly block their credit cards. Follow the below mentioned steps to block the card online:

  • Login to net banking account.
  • Click  on ‘Requests’ and then select ‘Report a lost/stolen card’
  • Select the card number that you want blocked
  • You can re-issue the card by clicking on the ‘Re-issue card’ option below
  • Else, click ‘Submit’ to complete the process.

How to Unblock SBI Credit Card?

You can unblock the credit card by calling on the SBI helpline number. However, you must never unblock a stolen or lost credit card.

How to Block HDFC Credit Card?

The private banks like HDFC Bank also offer the option of blocking credit card in case they are misplaced or lost. You can also avail this facility in case you have overspent on the card or in case of any suspicious transactions that has taken place using the card.

Block HDFC Credit Card Online:

Given below is the step-by-step guide to block your HDFC credit card online:

  • Login to your internet banking account by entering your customer ID and password.
  • Click on Cards and then click on “Credit cards”
  • You must next click on “Credit Card Hot listing”
  • A list of credit cards registered in your account displays on the screen
  • Select the card you want to block
  • Enter the reason for blocking in the dialogue box
  • If you want a new card to be issued, then select the same from the given options.
  • Click the submit button to complete the process
  • HDFC charges a fee of Rs 100 for re-issuing a new card

SEE ALSO:Karnataka Professional Tax

How to Block HDFC Credit Card offline:

Visit your nearest branch: You can raise a request to block credit card by visiting the nearest branch and providing the necessary details to the bank executive.

Call the helpline number: To block the HDFC credit card through the offline method, you must contact the bank by calling their helpline number and raising a request. HDFC bank has 24*7 helpline number that can be availed on weekends and National Holidays as well.  Find the helpline number of your city and call to block credit card immediately.

 How to Unblock HDFC Credit Card?

To unblock or re-activate the HDFC credit card, call the helpline number of the bank and raise a request for the same. The unblocking option cannot be availed online through net banking. The unblock option is mostly suitable when the bank blocks the card for any late payments or over limit spends.

SEE ALSO:Education Loan Eligibility 

How to Block Citibank Credit Card?

In case your Citibank credit card gets stolen or if you are receiving transaction messages that you haven’t made, then block your card immediately to prevent further misuse.

Call Customer Care:  Call toll free number 1800 425 2484 / 1800 267 2425 and request the executive to block your card. Make sure to provide the necessary details and the credit card number to block your card immediately.

Block Citibank Credit Card Online: Citibank customers who use net banking can log on to the account and block credit card instantly. The procedure is given below:

  • Login to  your net banking account using your ID and IPIN
  • From the left side menu bar select Credit card
  • Select Other Services and Queries
  • Click on the option Report lost/stolen card.
  • You will be guided by the system to block the card
  • Once the card is blocked, your access to credit card account online will also be blocked till new card is issued.

SEE ALSO:How to change Aadhaar details without a registered mobile number?

How to Unblock Citibank Credit Card?

To unblock Citibank credit cards, you must contact the bank directly either by visiting the nearest branch or by calling their helpline number and raising a request. Unblocking credit card facility is not available online or through net banking. However, it must be noted that you cannot unblock a stolen or lost credit card.

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IndianMoney.com Research Team

The research team at IndianMoney.com comprises of certified and experienced professionals who share the company's vision to make every Indian financially literate by equipping every Indian with right and unbiased advice. IndianMoney.com research team provides newsletters, articles, videos and FAQs on various financial products and concepts only to help you make wise financial decisions.

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