Ever had your credit card declined when you’re about to make your purchase? It can be embarrassing, especially if it’s because your card’s been blocked due to an unpaid bill. However, you’re not alone – this scenario is more common than you might think, leaving many cardholders scrambling to figure out how to pay blocked credit card bills.
Methods to pay a blocked credit card bill
There are several methods available to settle your blocked credit card bill as the table below outlines:
| Method | Description |
| Online banking | Log into your bank account and transfer funds directly to your credit card account. Quick and convenient, available 24/7. |
| Mobile wallets | Use popular apps like Paytm or Google Pay to make instant payments towards your credit card bill. |
| Mobile banking | Access your bank's mobile app to initiate a payment to your credit card account from your linked bank account. |
| Cheque | Write a cheque payable to your credit card issuer and deposit it at a branch or drop box. Allow for processing time. |
| Customer care | Call your card issuer's helpline for guidance on alternative payment options or to arrange a payment plan. |
Steps to unblock your credit card
Once you’ve paid your bill and cleared your dues, you’ll need to unblock your credit card.
First, contact your credit card issuer's customer service department. Explain that you've settled the outstanding balance and request card reactivation. The representative will verify your payment and may ask for additional information to confirm your identity.
Next, the customer service agent will guide you through the unblocking process. This might involve answering security questions or providing a one-time password sent to your registered mobile number. Follow their instructions carefully to ensure a smooth reactivation.
Finally, once your card is unblocked, the representative will confirm that your card is now active and ready for use. It's a good idea to verify this by making a small purchase or checking your online account to ensure everything is functioning correctly.
Tips for preventing future card blocking
To avoid your card from being blocked in the future, consider these essential tips:
Set up automatic payments: Link your bank account to your credit card for automatic monthly payments. This ensures you never miss a due date, even if you're busy or travelling. Remember to maintain sufficient funds in your account to cover the payments.
Create payment reminders: Use your smartphone's calendar or a dedicated app to set alerts a few days before your bill is due. This gives you ample time to arrange funds and make the payment, preventing last-minute rushes or oversights.
Maintain an emergency fund: Keep a separate savings account with enough money to cover at least one month's credit card bill. This safety net can be a lifesaver if you face unexpected financial difficulties or temporary cash flow issues.
Review your statements regularly: Make it a habit to check your credit card statements weekly. This helps you stay on top of your spending and quickly spot any unauthorised charges or errors that could lead to billing disputes.
Communicate with your issuer: If you're facing financial hardship, don't hesitate to reach out to your credit card company. Many issuers offer hardship programs or payment plans that can help you avoid late fees and card blocking during tough times.
Use online account management tools: Take advantage of your card issuer's website or mobile app to track your spending, set balance alerts, and manage your account efficiently. These tools can help you stay within your budget and avoid overspending.
Consider lowering your credit limit: If you find yourself consistently struggling to pay your full balance, request a lower credit limit. This can help curb overspending and make your monthly payments more manageable.
Speaking of credit cards, let's talk about a game-changing option that can enhance your financial management and optimise your spending: the Bajaj Finserv RBL Bank Credit Card.
Bajaj Finserv RBL Bank Credit Card benefits
Earn points on almost every purchase you make, with bonus points for online transactions and specific categories.
Access a dedicated concierge to help with various tasks, from travel bookings to restaurant reservations.
Get up to 4,000 reward points just for joining, giving you a head start on your rewards journey.
Enjoy waivers on fuel surcharges, potentially saving you up to Rs. 1,200 annually.
Relax in style with complimentary access to select airport lounges before your flights.
Meet a specified spending threshold, and you could have your annual fee waived entirely.
Convert large purchases or bills over Rs. 2,500 into manageable monthly instalments.
Take advantage of up to 50 days interest-free on ATM cash withdrawals.
Enjoy exclusive discounts and buy-one-get-one offers on movie tickets booked through BookMyShow every month.
With its array of benefits and user-friendly features, you're less likely to find yourself in a situation where your card gets blocked due to missed payments. Ready to take control of your credit card experience and enjoy peace of mind? Apply for your Bajaj Finserv RBL Bank Credit Card today!
