How to Block and Unblock Your Credit Card

Misplacing a credit card or fearing it’s being misused can be incredibly stressful. It’s crucial to act swiftly to block the card and stop any potential fraud. In this guide, we’ll walk you through the process of blocking your credit card, offer advice on safeguarding it from fraud, explain how to unblock it, explore common reasons for card blocks, and address some of the most frequently asked questions.

How to Block a Credit Card

A credit card is the most useful financial tool for managing your finances. With this extra credit limit, you can smoothly navigate through your monthly purchases. While you can read about RuPay credit cards in detail, there can be times when you may have to block your credit card for several reasons. Here is a step-by-step guide to help you with this process:

1. 01
   

   Through the Mobile App

   Here’s how to block your credit card with the help of the bank’s mobile application:

   • Open your credit card provider’s mobile app.
   • Navigate to the credit card section.
   • Select the option to block your card.
   • Follow the app’s prompts to confirm your selection.
2. 02
   

   Through Internet Banking

   Follow the steps for blocking your credit card with the help of internet banking:

   • Sign in to your online banking account.
   • Go to the “Credit Cards” section.
   • Choose the option to block your card.
   • Complete the process by following the on-screen instructions.
3. 03
   

   Through Phone

   • Call your card provider’s customer service helpline.
   • Follow the prompts given by the automated voice system.
   • Choose the option to block your credit card.
   • Provide the required verification details when asked.
4. 04
   

   Through the Bank Branch

   • Find the nearest branch of your credit card provider.
   • Visit the branch during business hours.
   • Speak with a customer care representative about your lost or stolen card.
   • Fill out the necessary paperwork and present any required identification to have your credit card blocked.

How to Unblock a Credit Card

If you need to unblock your credit card, you can use the same methods mentioned earlier for blocking your card. These include calling customer support, accessing your bank’s online portal, sending an email, or visiting the bank in person.

Reasons Why a Credit Card Can Get Blocked

There are several reasons why your card may get blocked. Here are some of the main ones:

1. 01
   

   Theft or Loss

   One of the primary reasons you might need to block your credit card is if it has been lost or stolen. Additionally, to protect your financial security, your bank may proactively block your card if any unusual activity is detected. In such situations, you’ll need to request a replacement card, which can typically be done through the bank’s online app or official website.

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1. 02
   

   Irregular Payment

   If your bank notices that you’ve been inconsistent with paying your credit card bills, they may block your card. To regain access, you’ll need to settle the outstanding balance promptly. Fortunately, many banks allow you to unblock your card by paying just the minimum amount due, leaving the rest to be paid by the next due date.

   But be warned: if you default more than four times, your card could be permanently blocked and rendered invalid. To settle the debt, you’ll need to pay off the entire outstanding amount. Even then, the likelihood of getting your card reactivated is slim.

2. 03
   

   Credit Limit Over-Utilisation

   When you get a credit card, your bank assigns you a maximum spending limit. It’s generally recommended to keep your spending between 60% and 70% of that limit to maintain a good credit score. However, if you max out your credit card, your bank might block it. To unblock your card in such cases, you’ll need to pay off the entire outstanding balance.

3. 04
   

   Suspicious Activity

   Credit card providers keep an eye on transactions to spot any unusual patterns or suspicious behaviour. If they suspect fraudulent activity, they may block your card as a precaution to safeguard you from potential fraud.

4. 05
   

   Non-Compliance to KYC Rules

   Since banks and their customers engage heavily in borrowing and lending, the Reserve Bank of India (RBI) has established stringent guidelines for both sides. These Know Your Customer (KYC) regulations are designed to protect your personal data and ensure clarity in the relationship between banks and credit card holders.

   According to RBI rules, credit card holders are required to adhere to KYC standards and periodically submit the necessary documents. Failure to comply can lead to your card being blocked. Should this occur, you’ll need to reach out to your bank and provide the required documentation to have your credit card reinstated.

5. 06
   

   Expired Card

   Once your credit card expires, a new one is issued. Till you get the new one, the expired card will get blocked.

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Written and Reviewed by:

Priyanka Rao

Author

Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.

Priyanka Sharma

Financial Content Reviewer

Priyanka Sharma is the Head of Credit Cards (Sr. Director Business & Product - Credit Cards) at Jupiter Money, where she leads the growth and development of the company’s credit card portfolio. She is responsible for driving strategic initiatives and enhancing customer experiences through innovative credit products. Priyanka’s leadership is shaping Jupiter’s approach to simplifying personal finance for its customers.

Prior to her role at Jupiter Money, Priyanka was an Engagement Manager at McKinsey & Company, where she provided strategic advice to clients across various sectors. Her expertise in business strategy, growth, and operations was built on her strong analytical skills and client-focused problem-solving abilities. Earlier in her career, she worked at ZS, a global business consulting firm, where she contributed to various projects, gaining significant experience in data-driven business decisions.

Priyanka holds a Post Graduate Programme in Management with a focus on Finance, Strategy, and Leadership from the Indian School of Business (ISB), where she graduated with distinction, earning a place on the ISB Dean’s List. This prestigious academic achievement underscores her deep understanding of financial strategy and leadership, which she continues to leverage in her fintech leadership role.