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How to Block Your Credit Card

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Updated: 13-11-2024 08:03:44 AM

With the recent rise in the number of financial frauds, banks have upgraded the security features on their credit cards and debit cards. But even if your credit card has the best security feature, you should be aware of the steps to take in case you lose your card or notice a fraudulent transaction. The first step should be to block your credit card as soon as possible. Immediate blocking of the credit card prevents further misuse of your card.

Key Highlights
  • In case of a lost or stolen card or fraudulent transaction, immediately contact credit card provider to block the credit card
  • File an FIR and submit a photocopy with the bank; it is helpful if legal proceedings follow
  • Apply to get a replacement credit card
  • Keep checking your statement regularly to check for unauthorised usage
  • Report any unauthorised transaction as soon as you notice it

Customer Care Numbers | FAQs | Things to Remember

Suggested Read: Unauthorized Transactions on Credit Card: What Should You Do?

How to Block Credit Card?
How to Block Credit Cards of Top Banks?
How to Protect Your Credit Card from Fraudulent Usage?
FAQs
How to Block Credit Card?

Given below are some common ways to block a credit card.

Call customer care – Simply call on the customer care helpline number. Once connected, the customer care representative will ask you a few questions to establish your identity and then block the credit card.

Send an SMS – Certain banks allow customers to block their credit cards via SMS. Note that such SMS must be sent from your registered mobile number.

Netbanking – You can block your credit card via Netbanking. Some banks allow you to temporarily block the credit cards via this method. The process is simple; you login to your Netbanking account. Then go to the credit cards section and click on block credit card.

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. Some banks even have an application form for the same.

How to Block Credit Cards of Top Banks?

Below you can find the customer care number of top banks that provide credit cards. Call on these numbers if you want to block credit card from any of these banks/NBFCs.

HDFC Credit Card Customer Care Number (Prefix STD Code) 6160 6161
SBI Credit Card Customer Care Number 18601801290 or (Prefix STD Code)39020202
ICICI Credit Card Customer Care Number 1860 120 7777
Citi Bank Credit Card Customer Care Number 1860 210 2484
Axis Bank Credit Card Customer Care Number 1-860-419-5555 or 1-860-500-5555
HSBC Credit Card Customer Care Number 1800 267 3456 or 1800 121 2208
How to Protect Your Credit Card from Fraudulent Usage?

There are certain points that you should bear in mind when it comes to handling credit cards. These are:

  • Save the customer care number of your credit card on your mobile
  • Don’t share your credit card PIN
  • Don’t save credit card information online
  • For online transactions use credit cards on secure websites, that use https
  • Check the receipt to ensure you are charged the right amount
  • Do not carry all your credit cards with you
  • Use licensed antivirus software on your personal computer
  • Set different PINs on different credit cards
  • Avoid using public computers to conduct online transactions
FAQs

Why did the bank block my credit card?
Banks sometimes block the card if they see suspicious activity on it. Other reasons could be that you spent more than the credit limit or failed to pay your credit card bill.

I accidentally blocked my credit card, now I want to unblock it. How can I do that?
To unblock your credit card call the customer care number and ask them to unblock your credit card. Most banks will process the request as long as the new card has not been dispatched.

My credit card got stuck in an ATM machine. What should I do?
If your credit card got stuck in the ATM then call the customer care service and ask them to block your credit card.

What is the Kotak credit card customer care number?
The customer care number for Kotak credit card is 1860 266 2666.

How can I block my SBI credit card via an SMS?
You can block your credit card by sending the SMS: BLOCK XXXX (XXXX=last 4 digit of the Card) to the number 5676791.

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