Bajaj EMI card provides financial services and stability in this fast-paced world. It allows you to buy things in easy installments. This card has made things easier for everyone, especially the middle class. But sometimes card may suffer some issues or is blocked due to different reasons. Let us know more about How to Unblock Bajaj EMI Card in our Quick Guide.
Steps to Unblock Card
There are two ways in which you can unblock your card i.e. online and offline. Let us know how to unblock the card step-by-step:
Online Method
Log in to your account: First of all, log in to your Bajaj Finserv account with your card number and password.
Check dues: Once you have logged into your account, check if there are any dues on your account, if there are any then clear them before proceeding to the next step.
Contact Customer Care: If your account is blocked due to any other reason then contact customer care through the website.
Track the request: After submitting your request, you can track its status by selecting the ‘Track Request‘ option on our website.
Offline Method
If you prefer to unblock your EMI Network Card offline, you can do so by visiting the nearest Bajaj Finserv branch. Make sure to carry a valid government ID proof and your card with you.
Once you reach the branch, approach the customer care executive and explain the issue you are facing with your card. You will be assisted in resolving the issue and unblocking your card.
The customer care executive may ask you to submit some documents to verify your identity and address. Make sure you carry the required documents with you.
Finally, you can track the status of your request by visiting the branch again or by calling the customer care number.
Benefits of Unblock Bajaj Emi Card
When you unblock your Bajaj Finserv EMI card, you can enjoy numerous benefits, even if it was initially blocked for any reason. Here is a list of advantages that come with unblocking your card:
- Pre-approved Offer: Successfully unblocking your EMI card will grant you access to a pre-approved loan amount of up to 2 lakhs. You can use this amount to shop for various products from over 1.2 lakh Bajaj partner stores.
- No Foreclosure Charges: Once you have paid your first EMI, there will be no foreclosure charges if you decide to unblock your card.
- Flexible Repayment Tenure: Bajaj Finserv offers a flexible repayment tenure, allowing you to pay off loans or EMIs comfortably over a period ranging from 3 to 24 months.
- No-Cost EMIs: The Bajaj EMI card offers a no-cost EMI option, which means that you only pay the actual price of the product without any additional costs.
- Convenient Access through the Bajaj Finserv App: The Bajaj Finserv EMI card can be easily accessed through the official Bajaj Finserv app, which also allows you to block or unblock your card with ease.
How to check if Your Bajaj EMI Card is Blocked?
Many people are not aware of their blocked cards. Here are some tips that can help you identify if your card is blocked so that you can take steps to unblock your Bajaj Finance EMI card:
- You can easily track the status of your Bajaj EMI Card by logging into the account portal or the Bajaj Finserv mobile application with your registered mobile number or customer ID. Once you are logged in, go to the “My Relations” section and select “EMI Network Card.”
- Alternatively, you can check the blocked status using the mobile application. Tap the “Know More” option and choose “See EMI Card Now,” and the application will display the current status of your EMI Card.
- If your card is blocked, it is essential to initiate the unblock Bajaj EMI card process promptly. Understanding the reason behind the blockage is crucial for a successful resolution.
Reasons Your Bajaj Finserv EMI Card Blocked
Please find below some of the reasons that can lead to a blocked Bajaj Finserv EMI card and the steps you can take to resolve them:
Failure to Meet Payment Obligations:
To avoid the card from being blocked, make sure to pay your monthly installment promptly. The functionality of your EMI Network Card will be restored by settling the outstanding bill. You can make the payment by visiting the nearest Bajaj Finserv branch or through their website or mobile app.
Incomplete ECS Mandate Processing:
Smooth processing of the ECS mandate is crucial for uninterrupted usage of your Bajaj Finserv EMI card. If you face any issues with the ECS mandate, approach the nearest Bajaj Finserv representative to submit a fresh mandate. Paying your installment in advance before the 22nd of the month is recommended if you initiate the new mandate. Once the mandate is successfully processed, you can resume using the Bajaj Finserv EMI Network card within 45 days.
Low CIBIL Score:
Maintaining a minimum CIBIL score of 750 is essential to ensure uninterrupted utilization of your Bajaj Finserv EMI Network Card. To address this issue, clear any outstanding dues, obtain a copy of your latest CIBIL score, and share your updated CIBIL score report with Bajaj Finserv representatives via their website. Achieving this minimum CIBIL score will enable you to unblock your Bajaj Finserv EMI card.
Preventive Measures
To prevent future card blockages, it is essential to consider these preventive measures:
Timely Payments: Always ensure to make your EMI payments on or before the due date to maintain a clean payment history.
Monitor Spending: Keep track of your card usage to ensure that you don’t exceed your credit limit and maintain a healthy credit utilization ratio.
Regular Communication: In case of any issues, promptly communicate with Bajaj Finserv’s customer support to prevent potential card blockages.
Stay Informed: Regularly check your account statements and transaction history to identify any suspicious activities early on.
Also read: How To Delete a Digilocker Account in 2024
Conclusion
If your Bajaj EMI card is blocked, it can be quite troublesome. However, the unblocking process is relatively simple. By following the steps explained in this guide, you can quickly regain access to your card and resume making purchases in easy installments. It is important to maintain good financial habits and stay updated about your card’s status to avoid any future blockages.
In case you are unsure about any step in the process, do not hesitate to contact Bajaj Finserv’s customer support for assistance. We hope that our How to Unblock Bajaj EMI Card – Quick Guide was able to solve your queries.