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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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:
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.
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:
Customers who use net banking can instantly block their credit cards. Follow the below mentioned steps to block the card online:
You can unblock the credit card by calling on the SBI helpline number. However, you must never unblock a stolen or lost 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.
Given below is the step-by-step guide to block your HDFC credit card online:
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.
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.
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:
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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