While credit cards and online banking have become popular ways to pay for large transactions online, many people do it using the Bajaj EMI card. People use it for travel bookings, electronics, home appliances etc. That is because these cards are highly cost-effective and budget-friendly. That is primarily because you can divide the cost over a suitable tenor.
When you are shopping on NCEs or No Cost EMIs, you don’t have to pay any down payment. This improves your shopping experience and allows you to shop smart. To enjoy all these benefits, you just need to get an active EMI Network Card. However, recently there have been cases where the Bajaj EMI card has been blocked. The reasons can be plenty. However, if you’re looking for some tips on how to unblock your Bajaj EMI Card, you might find a solution here.
How to check if your Bajaj EMI card is blocked?
- You can see the status of your Bajaj EMI Card through the account portal or the mobile application of Bajaj Finserv. First, you need to login into ‘My Account’ using your mobile number or customer ID. After this, move over to the ‘My Relations’ option and select ‘EMI Network Card.’
- You can also check your blocked status by the mobile application. Tap on the ‘Know More’ option and select ‘See EMI Card Now’. After this, the details on your EMI Card status will be fetched.
If your card gets blocked, it is essential to start an EMI Card unblock process as soon as possible. It is important to know the reason why it got blocked.
3 cases where you need revive your Bajaj EMI account
If your card has been blocked for any of the below reasons, there are different ways to recover the account.
1. Missed EMI Payments
If you were unable to pay EMI payments due to a lack of sufficient money in your account or for any other reason, you must pay your dues to initiate the unblocking process. You can make this payment in the following two ways:
- Logging into the official Bajaj Finserv website
- Visiting the closest Bajaj Finserv branch
2. ECS mandate processing failure
The Electronic Clearance Services (ECS) mandate permits the auto-debit of payments from your bank account. This is essential to protect yourself from any dues and to keep your Bajaj EMI Card working. In the instance of an ECS mandate failure, redeem the mandate and make a copy of it. Then submit to any Bajaj Finserv branch. You will have to wait 45 days for your EMI Card to get renewed.
3. Unable to keep a CIBIL score of at least 750
Over a period, if you fail to maintain a CIBIL score of at least 750 because of credit mismanagement or non-payment of EMIs, your Bajaj EMI Card may get blocked. Use any of the following ways to unblock your card:
- Show a new credit report demonstrating an increase in the score
- Repay your overdue bills
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How to unblock the Bajaj EMI Card online?
If your card was unblocked for reasons other than the ones cited above, you can initiate the unblocking procedure on your own online. To start the process, unlock the Bajaj EMI Card through My Account and follow these steps:
- Open the customer portal on www.bajajfinserv.in.
- Enter your mobile number/ customer ID.
- Choose to enter your password either or receive a Time Pin on your (RMN) registered mobile number.
- Now select the ‘My Relations’ icon and then click on ‘EMI Network Card.’
- Tap on ‘View All’ and after that select ‘EMI Card Details.’
- Select the ‘Reissue/ Block/ Unblock’ option to continue.
- Now you just have to follow the renew process mentioned.
Keep in mind to mention your card number and your customer ID too.
Wrapping up!
Now that you’ve learned how to unblock your Bajaj EMI Card, remember that reactivation or unblocking can take from 70 to 75 days, depending on the infringement. After that, you can shop as much as you want on the largest EMI Network in the country.
However, if you don’t posses an EMI Card in the first place, make sure to inquire about the procedure to claim one as soon as possible. If you have any other doubts about the unblocking process of the card, then you can also get help from the Customer Portal of Bajaj Finserv.
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