How to Block & Unblock Credit Card - The Complete Guide (2024)

FAQs

How to Block & Unblock Credit Card - The Complete Guide? ›

You can simply call your credit card issuer's customer care team and report your concern. After asking you a few questions, the customer care executive will verify your identity. Once the verification is complete, you can place a request to block your credit card.

Submit An Application To the Bank

You may have blocked the card willingly when you have realised you misplaced or lost it. However, you found the card later and need to use it. You can directly approach your bank or its branch and submit a written application, requesting an automatic unblock of the ATM card.

After you freeze your card, you get the option to block the card. Once you block your card, it cannot be unblocked, and you will need to order a new card as replacement.

Depending on the reason for the block, you can unblock your credit card by calling the bank or credit card company and discussing the issue. You may need to go through extra steps such as: Answering security questions to confirm your ID.

Mobile App – Almost all banks have a mobile application through which you can manage your account. You can use the app to block your credit card. The process is usually similar to net banking. Visit the Branch – You have the option to visit the bank's branch and file a written request to block your credit card.

It means the Card cannot be used for any further transactions. Blocking is a security measure to prevent any misuse. According to the Reserve Bank of India (RBI) guidelines, customers have zero liability in case of unauthorised electronic banking transactions if reported within a specific time frame.

If you have blocked the card due to suspicious activity or due to your negligence and now would like to unblock it, you will have to place a request at the nearest bank branch.

Stopping a card payment

To withdraw consent, simply tell whoever issued your card (the bank, building society or credit card company) that you don't want the payment to be made. You can tell the card issuer by phone, email or letter.

To unblock your chip, you can go to an ATM from a major bank. You should be able to see a new 'PIN Unlock' option or you can otherwise view your remaining amount.

How do I block my credit card on my phone? ›

Have your card number and other details handy while contacting the banking executives. Send an SMS: You can also send an SMS in a specified format to block your credit card in real time. SMS BLOCK 16-digit credit card number to 5676782. Make sure you send the message only from the registered mobile number.

Reduce the time your card is blocked.

Paying your bill with that same card means your final charge will most likely replace the block in a day or two. But if you pay that bill with a different card — or with cash or a check — the block may last up to 15 days.

Locking will typically prevent new transactions but leave automatic payments, such as bills, bank fees, and subscriptions, enabled.

If you have lost your card or noticed a transaction on your account for which you are not responsible, we advise you to block your card. Blocking your card is permanent. You will no longer be able to perform transactions with this card and you will have to reactivate it.

Many banks offer internet banking and mobie banking facilities that allow you to unblock your ATM card online. Log in to your account and follow the instructions to unblock your card.