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How to Unblock Your Credit Card?
Posted on Thursday, July 25th, 2024 | By IndusInd Bank
A blocked credit card can be stressful. A blocked card might interfere with your finances if you need to make urgent payments.
So, if you are wondering, “How can I unblock my credit card?”, here’s a simple guide to help you out.
Reasons Your Card May Be Blocked and How to Unblock It
There are several reasons to why a bank may block your credit card. Know the reasons to understand how to unblock a credit card in each situation:
Reason #1: Suspicious Activity
Banks monitor your transactions to protect you from fraud. Large purchases or transactions originating from a foreign country may raise suspicion at the bank. This can lead to a blocked card.
How to Unblock It:
1. Contact Customer Service: Call the customer service number. Verify your identity and confirm the recent transactions.
2. Provide Necessary Information: Be ready to provide details about your recent transactions to prove you were the one to make them.
3. Wait for the Unblock: The bank will unblock the card once the verification process is complete.
Reason #2: Missed Payments
If you miss one or more payments, the bank may block your card to prevent further transactions.
How to Unblock It:
1. Make the Payment: Pay the outstanding amount as soon as possible. You can do this through your bank’s website, mobile app, or via a visit to a branch.
2. Notify Your Bank: Inform your bank about the payment to speed up the unblocking process.
3. Set Up Reminders: You can set up payment reminders or automatic payments to avoid future blocks.
Reason #3: Exceeding Your Credit Limit
Spending beyond your credit limit can lead to the bank blocking your card to prevent further charges.
How to Unblock It:
1. Pay Down Your Balance: Make a payment to bring your balance below your credit limit.
2. Contact Your Bank: Let your bank know once you make the payment, to unblock the credit card.
3. Monitor Your Purchases: Check your balance regularly to stay within your credit limit in the future.
Reason #4: Expired Card
Credit cards have an expiration date. The bank may block your card if you try to use your card after this date.
How to Unblock It:
1. Activate Your New Card: Your bank will send a new card before the old one expires. Activate the new card as per the instructions provided.
2. Update Stored Information: Ensure you update your card information wherever it is stored. For instance, you may have to update credit card details on online shopping accounts and subscription services.
3. Destroy the Old Card: Safely dispose of the expired card by cutting it up. This can ensure that it cannot be misused.
IndusInd Bank offers dedicated customer support to unblock your card. You can reach out to our customer survive portal if you face any issues with your Credit Card.
Also Read: A Comprehensive Guide to Credit Card Grace Period for Consumers
Conclusion
Knowing how to unblock your credit card in different scenarios will help you deal with them effectively. Remember to use your credit card with care. Also, inform your bank if you are going to carry out unusual transactions. This way, you may not have to face any unnecessary blocking.
A banking partner that offers solid customer support and help in various situations is crucial. Also, look for credit card features and benefits that upgrade your lifestyle.
IndusInd Bank can be the banking partner you need. IndusInd Bank Credit Cards offer benefits such as reward points for everyday spending, travel privileges, fuel surcharge waiver (up to a limit), complimentary movie tickets, discounted foreign currency markup, and more. Apply now!
So, what are you waiting for? Apply for a Credit Card online with IndusInd Bank now!
Disclaimer:
The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.
