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How you can unblock credit cards in few simple steps

  • Highlights

  • Unblock an over-utilised card by paying outstanding dues

  • Call customer care to unblock a card that’s been reported

  • Use the RBL MyCard app to unblock a SuperCard quickly

  • Also view statements and pay bills via the credit card app

Credit cards offer you instant financing so that you can purchase goods and services right away and return the amount later at a later date. However, you will lose this layer of financial convenience in the event that your credit card gets blocked. Typically, credit cards are blocked when you exhaust your credit limit or default on a number of bill payments. Similarly, your issuer or you may initiate blocking in case there is any suspected fraudulent activity. Whatever be the case, you can unblock credit cards by following the guidelines put forward by credit card companies. Here’s a quick guide on how to unblock credit cards in a few simple steps.

When your credit card is blocked due to over-utilisation

Your credit card will automatically be blocked if you exhaust your credit limit. In such cases, make a credit card payment to free up a portion of your limit, and thus unblock your card. For any assistance, call your credit card company’s customer care number.

Additional Read: Check credit card balance

When your credit card is blocked due to payment defaults

Depending on your issuer’s policies, your credit card may be blocked when you skip multiple payments. In the event that the defaults are minimal, you are likely to be able to unblock your RBL credit card by paying the minimum or total amount due. However, if you have missed making multiple payments, in all likelihood you will have to pay the entire outstanding amount and any fines that are due. Then, you can contact your issuer to have your card re-activated. Finally, if it gets written off, you may have to apply for a new card after paying the outstanding dues. You can check your card status online by entering your login details and credit card number on your issuer’s credit card app.

When your credit card is blocked due to suspicious activity

You may be using an airline credit card, a secured credit card, or an international credit card. Unfortunately, regardless of your credit card variant, you may be exposed to malicious activity. So it’s important to beware of the transactions you authorise. Cards can be blocked by both you and your issuer when suspicious activity is detected. Call up the customer care helpline to unlock credit cards that have been blocked for security purposes, and avoid unblocking a credit card that is lost or has been stolen.

While most credit cards allow blocking and unblocking through the customer care helpline only, when you opt for a Bajaj Finserv RBL Bank SuperCard, you can do so through the RBL MyCard credit card app as well. This is especially useful when you suspect fraudulent activity and want to be cautious. In case you require further assistance, you can call the toll-free number and ask the representative to unblock your RBL credit card. The MyCard app also lets you view credit card statements and pay your bill in just a few minutes.

Moreover, a Bajaj Finserv RBL Bank SuperCard gives you access to a wide range of benefits too. You can enjoy impressive deals and discounts on purchases ranging from apparel to flight tickets and hotel accommodation. Here, you earn reward points on every transaction, as well as annual savings to the tune of around Rs.55,000.

In terms of functionality, it rolls the features of 4 cards into one. You can enjoy 50-day, interest-free cash withdrawals, a 90-day, interest-free emergency loan and also convert purchases over Rs.3,000 into bite-sized EMIs.

To streamline credit card application, be sure to check your pre-approved credit card offer from Bajaj Finserv first. Doing so gives you instant approval and a chance to win up to 20,000 reward points as a welcome gift too!

Pre-Approved Offer

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