Do you need to buy a new appliance and device but run out of money? Bajaj Finseve EMI network is here to make your dream luxury life affordable and let you purchase amazing products without hassle.
You can buy any product, including a smartphone, TV, Washing Machine, laptop, etc., with no cost EMI Bajaj also offers you a flexible tenure from 3 months to 24 months to pay the EMIs.
However, Your Bajaj Finserv EMI network card is prone to getting blocked for many reasons, such as missing the EMI or lowering the CIBIL score. In such cases, knowing how to unblock Bajaj Finserv EMI cards and continue purchasing the items without any problem is essential.
Understanding the cause behind your card’s blockage is crucial for unlocking your Bajaj EMI card. Here are some simple steps on How to Unblock Bajaj EMI Card online and offline.
Also read: What Is a Good Credit Score
What is Bajaj Finserv EMI Card?
The Bajaj Finserv EMI Network Card provides a digital payment solution, offering a pre-approved loan limit of up to ₹2 Lakhs based on your creditworthiness and specific other criteria.
With the Bajaj Finserv EMI Card, you can buy products and services and convert the payment into manageable EMIs.
The Bajaj Emi card can get blocked for various reasons; let’s talk about how to unblock the Bajaj Finserv EMI card.
How to Unblock Bajaj EMI Card?
Many people struggle to know if Bajaj Finserv EMI card is blocked and how to unblock it. There are various ways to unblock Bajaj EMI cards online and offline. Let’s discuss them in detail:
1. How to Unblock Bajaj EMI Card Online?
Bajaj Finserv offers a convenient and swift process to Bajaj Finance EMI Card Unblock using the Bajaj Finserv customer service portal, then go to the My Account section by selecting EMI Network Card.
Steps to Unblock Your Bajaj EMI Card Online:
- Open Bajaj Finserv Customer Portal
- Sign in to your Account
- Tap On EMI Network Card
- Click on View All EMI card details options
- Select Unblock Option
Let’s discuss the steps written above in Details to unblock the Bajaj Finserve EMI Network Card:
1. Open Bajaj Finserv Customer Portal
Firstly, Search Bajaj Finserv Customer Portal on Google and open the website on your computer or Mobile. You can also open the link Bajaj Finance Customer Portal
2. Sign in to the account
Secondly, Once you have opened the Bajaj FInserve customer portal, enter your Registered mobile number and enter the OTP that you received on your mobile.
3. Select the EMI Network card option
Thirdly, There will be an option for an EMI network card on your account; tap on it.
4. Click on the ” View all AMI card details option.
A new page will open on the screen where you will find an option to view all the details of your card. For this, you need to scroll down the page to the relationship details menu, then click on View All and go to the EMI card details. Here, you will get the option to block, unblock, or reissue your card.
5. Select the Unblock option
Lastly, Click on the Unblock option. If your card is blocked due to payment issues, you need to clear your dues first and contact the customer support agent. Your card will be unblocked soon.
2. How to Unblock Bajaj EMI Card Offline
If you don’t have access to the online option or are not tech savvy, you can use the offline option, the Bajaj Finance EMI card unblock.
Bajaj EMI Card Unblock via Customer Care:
- Note down your 7 number of EMI Card.
- Dial 08698010101; the Bajaj Finserv customer helpline, and register a Bajaj EMI card unblock request.
- Talk to a Bajaj Finserv representative, tell them your EMI Card number, and explain the issue you are facing.
- They may ask for your customer ID for verification purposes.
- The representative will assist you in resolving the issue promptly, enabling you to resume using your Bajaj Finserv EMI Card smoothly.
Benefits of Unblock Bajaj Emi Card
The steps to unblock the Bajaj EMI card come with several enticing benefits, even if it was initially blocked for any reason. Here’s a list of the advantages:
1. Pre-approved Offer
When you successfully unblock your Bajaj Finserv EMI card, you gain access to a pre-approved loan amount of up to 2 lakhs. This amount can be utilized to shop for a wide array of products from over 1.2 lakh Bajaj partner stores.
2. No Foreclosure Charges
Unblocking your card grants zero foreclosure charges, provided you have successfully paid your first EMI.
3. Flexible Repayment Tenure
Bajaj Finserv extends a flexible repayment tenure, allowing you to comfortably pay off loans or any EMIs over a period ranging from 3 to 24 months.
4. No-Cost EMIs
The Bajaj EMI card provides a no-cost EMI option, ensuring that you only pay the product’s actual price without incurring any additional costs.
5. Convenient Access through the Bajaj Finserv App
The Bajaj Finserv EMI card is easily accessible via the official Bajaj Finserv app. This app allows you to block or unblock Bajaj EMI cards easily.
How to check if Your Bajaj EMI Card is Blocked?
Many people are unaware that their cards are blocked; here are some tips that can help you identify if your card is blocked so that you can follow the steps to a Bajaj Finance EMI card unblock:
- You can conveniently track the status of your Bajaj EMI Card through either the account portal or the Bajaj Finserv mobile application. Log into ‘My Account’ using your registered mobile number or customer ID. Once logged in, navigate to the ‘My Relations’ section and choose ‘EMI Network Card.’
- Alternatively, you can check the blocked status using the mobile application. Tap the ‘Know More’ option and select ‘See EMI Card Now.’ The application will fetch and display the current status of your EMI Card.
- If your card becomes blocked, promptly initiating the unblock bajaj EMI card process is crucial. Understanding the reason behind the blockage is essential for a successful resolution.
Reasons Your Bajaj Finserv EMI Card Blocked
Here are some of the reasons that can lead to a blocked EMI card:
1. Failure to Meet Payment Obligations
Pay a monthly installment promptly to avoid the card being blocked. To address this concern, settling the outstanding bill will restore the functionality of your EMI Network Card. You can achieve this through various convenient options, such as visiting the nearest Bajaj Finserv branch or utilizing the Bajaj Finserv website or mobile app for online payments.
Prompt solution for how to unblock Bajaj Finserv EMI card? – To resolve this promptly, ensure timely payment by visiting the nearest Bajaj Finserv branch or using the Bajaj Finserv website.
2. Incomplete ECS Mandate Processing
Smooth processing of the ECS mandate is critical for uninterrupted usage of your Bajaj EMI card, as EMIs are directly debited from your specified bank account. Ensuring your bank’s acceptance of your ECS mandate is essential to sustain regular monthly payments. Should you encounter ECS mandate issues, approach the nearest Bajaj Finserv representative to submit a fresh mandate.
When submitting a new mandate, consider paying your installment in advance if you initiate the mandate before the 22nd of the month. Once the mandate is successfully processed, you can resume using the Bajaj Finserv EMI Network card within 45 days.
Efficient Resolution for Bajaj Finance EMI card unblock – Address the concern by communicating with your bank and rectifying the ECS mandate. If necessary, submit a new ECS mandate.
3. Low CIBIL Score
Maintaining a minimum CIBIL score of 750 is pivotal to ensuring uninterrupted utilization of your Bajaj Finserv EMI Network Card. A dip in your CIBIL score may lead to blocking your Bajaj Finserv EMI Network card, which can be remedied through a three-step process.
To address this issue, clear any outstanding dues, obtain a copy of your latest CIBIL score, and promptly reach out to Bajaj Finserv representatives via the website to share your updated CIBIL score report.
Swift Resolution for Bajaj Finance EMU card unblock – Take essential measures such as clearing pending EMIs or any loans to restore your CIBIL score to a minimum of 750. Achieving this minimum CIBIL score will enable you to resolve this matter.
Why should You try to Unblock Bajaj’s EMI Card?
If your Bajaj Finserv EMI Network card has been blocked due to any of the reasons below, there are specific methods to recover your account:
1. Missed EMI Payments
If you skip the EMI due to a low balance or other reasons, you must make arrangements to pay your dues. Make the payment using any methods mentioned below:
- Log into the official Bajaj Finserv website.
- Visit the nearest Bajaj Finserv branch.
2. ECS Mandate Processing Failure
The Electronic Clearance Services (ECS) mandate is crucial for auto-debiting payments from your bank account, ensuring timely payments to avoid any outstanding dues, and keeping your Bajaj EMI Card operational. If an ECS mandate failure occurs, follow these steps to restore functionality:
- Redeem the ECS mandate and obtain a copy.
- Submit the mandate copy to any Bajaj Finserv branch.
- Wait for 45 days for your EMI Card to be renewed and unblocked.
3. Inability to Maintain a CIBIL Score of 750 or More
If your CIBIL score falls below 750 due to credit mismanagement or non-payment of EMIs over time, your Bajaj EMI card may become blocked. To unblock your card, utilize either of these ways:
- Present an updated credit report displaying an improved credit score.
- Settle any outstanding bills that have become overdue.
How To Prevent Bajaj EMI Card Blocking?
If you wish to prevent your Bajaj EMI Card from getting blocked, it’s vital to adhere to these recommendations:
- Timely EMI Payments: Ensure you make EMI payments promptly. Preferably pay before the due date, to avoid any possibility of your card being blocked.
- Address ECS Declaration Issues: If there are problems with your ECS declaration promptly communicate with your bank to rectify the issues. It will ensure smooth auto-debit processes.
- Submit a New ECS Mandate: If needed, complete and submit a new ECS mandate to Bajaj Finserv. It will guarantee seamless payment transactions from your bank account.
- Maintain a Healthy CIBIL Score: Take necessary actions to sustain a CIBIL score of 750 or higher, including timely repayment of loans and bills, responsible credit management, and addressing any discrepancies in your credit report.
After completing the process of unblocking the Bajaj EMI card, the reactivation may take 70-75 days, depending on your case. After 70 days, you can use your EMI card just like before.
If you don’t have an EMI Card initially, inquire about the application process and get one at the earliest to enjoy its benefits. If you have any lingering doubts about the card unblocking process, the Customer Portal of Bajaj Finserv is a valuable resource to seek assistance and clarification. The company offers you various ways for Bajaj EMI card unblock requests.
For those who are looking for a Bajaj Finserv EMI card and how to unblock it, this article can help you.
How to Unblock Bajaj EMI Card – FAQs
What is the Bajaj EMI Card Unblock Customer Care Number?
The customer care service number for the Bajaj Emi card unblock is “0869 801 0101”. You need to call your registered mobile number to initiate the unblocking process.
How to Unblock Bajaj Finserv EMI Card?
Ans. To unblock your Bajaj Finserv EMI Network Card, follow these steps:
- Open your account on the Bajaj Finserv customer service portal.
- Navigate to the “My Account” section by selecting your card details on the relationship page.
- Click on the block/unblock tab to initiate the unblocking process.
- Alternatively, you can call the Bajaj Finserv customer care service number “0869 801 0101”. Inform them of your problem.
Can I Unblock My Bajaj EMI Card?
Ans. Yes, you can unblock your Bajaj Finserv EMI Network Card. Visit the Bajaj Finserv customer service portal. Go to the “My Account” section, and select your card details on the relationship page. Navigate to the block/unblock tab to proceed with the unblocking.
How Can I Recover My Blocked Bajaj EMI Card?
Ans. You can recover your blocked Bajaj EMI card by visiting the customer portal and following the on-screen instructions for the unblocking process.
How to Check if Bajaj’s EMI Card is blocked or not?
Ans. Visit the “My Account” portal or use the Bajaj Finserv wallet app. Please follow the steps mentioned below to unblock the EMI card.