Are you worried about the money crunch while buying new appliances and devices? Affording luxury is no longer difficult with the Bajaj Finserv EMI Network Card that lets you buy top-notch products with no hassles.
From a range of products including smartphones, TVs, washing machines, laptops, and more, you can bring the latest products home with no-cost EMIs. Moreover, you can choose a flexible tenor ranging from 3-24 months to keep your savings intact.
With a 0 down payment facility also available while purchasing products, you can now easily purchase your favorite items through a pre-approved loan of 4 lakh. Luxury is just a step away from the Bajaj Finserv EMI Network Card which requires minimal documentation.
Additionally, there is no need to make any minimum payment while purchasing; you can directly make purchases and convert the cost into EMIs.
However, your Bajaj Finserv EMI network card can be blocked for multiple reasons, including missing out on payments or a dip in your CIBIL score. In such cases, you should know how to unblock the Bajaj Finserv EMI Network card, so you can continue purchasing your items without any worry.
Identifying the reason why your card has been blocked is important to know how to unblock your Bajaj EMI card. The following are some guidelines on how to unblock the Bajaj Finserv EMI Network card with an easy process.
Reasons Your Bajaj Finserv EMI Network Card Blocked
1. Missing Out on Payments
Non-payment of a monthly installment can directly lead to the blockage of your card. To rectify the issue, payment of your last bill can result in continued usage of the EMI Network Card.
You can do so through a variety of options available to you, such as visiting your nearest Bajaj Finserv branch, or online payment through the website and mobile app on the go.
Quickly Resolve the Issue – You can resolve this issue by making the payment at the earliest by visiting the nearest Bajaj Finserv branch or using the Bajaj Finserv website.
2. ECS Mandate Processing is Incomplete
Since EMIs are directly withdrawn from your provided bank account, ECS mandate processing is important for the continued usage of your Bajaj EMI card online/offline. Your ECS mandate must be accepted by your bank to allow for uninterrupted monthly payments.
Once you encounter problems in your ECS mandate, you can approach the nearest Bajaj Finserv representative and submit a new mandate.
While submitting a new mandate, you should pay your installment in advance if you are initiating your mandate before the 22nd of the month. Once your mandate goes through, you can continue using the Bajaj Finserv EMI Network card within a period of 45 days.
Quickly Resolve the Issue – Talk to your bank about the issue and get it resolved. If not done you can submit a new ECS mandate again.
3. Low CIBIL Score
A minimum CIBIL score of 750 is crucial to ensure continued usage of your Bajaj Finserv EMI Network Card. In case your CIBIL score dips, your Bajaj Finserv EMI Network card may be blocked, which you can rectify through three steps.
You will need to clear any unpaid dues, download a copy of your latest CIBIL score, and directly get in touch with Bajaj Finserv representatives through the website to share your latest CIBIL score report.
Quickly Resolve the Issue – Take the necessary steps like paying back the pending EMIs or any loan to regain the CIBIL score to 750. By achieving the CIBIL score minimum 750 you will be able to resolve this issue.
How to Unblock Bajaj EMI Card – Online/Offline
1. Unblocking On-the-Go (Online)
Bajaj Finserv allows you to unblock your Bajaj Finserv EMI Network card hassle-free through the Experia app in no time. You can simply log into the customer portal provided through the downloaded app, navigate through the options available for Bajaj EMI Card and unblock your card in accordance with the process mentioned. With a few clicks and swipes, you can easily unblock your card through your phone in no time.
Steps on How to Unblock Bajaj EMI Card Online
Step 1: Visit the Bajaj customer portal and log in using your customer ID and password or using a registered mobile number.
Step 2: Navigate to “My Relations” look for “EMI Network Card” and click on it.
Step 3: Click on the “View All” Option
Step 4: Next click on “EMI card details”
Step 5: Choose the right option from “Block/Unblock/Re-issue”
2. Offline Unblocking
For those with limited access to the above options, you can choose to unblock the card through the Bajaj Finserv customer helpline number as well.
Simply keep your 7-digit EMI Card number with you, dial 086980 10101, and personally talk to one of Bajaj Finserv’s representatives about the issues you face. You may be required to provide your customer ID along with the problem you are facing with your Bajaj EMI card. Within a short period of time, you can make the most of your Bajaj Finserv EMI Card with continued usage.
Features and Benefits of Unblocking Bajaj EMI Card
There are several benefits of unblocking the Bajaj Finserv EMI Network card is blocked because of any reason. Below are the benefits listed.
- Pre-approved offer – If you take an effort to unblock your Bajaj Finserv EMI card then you will be rewarded with a pre-approved amount of up to 2 lakh to shop for anything of your choice from 1.2 lakh Bajaj partner stores.
- No Forecloser Charges – One of the benefits you will be rewarded with no foreclosure charges if paid your 1st EMI successfully.
- Flexible Repayment Tenure – Bajaj Finserv offers flexible tenure to pay off the loans or any EMI which is 3 – 24 months
- No Cost EMIs – Bajaj EMI card also offers a no-cost EMI option so that you will not pay any additional cost other than the actual price of the product you are buying.
- Easily Accessible Bajaj EMI Card – This EMI card can be accessed using Bajaj Finserv official app. You can easily block/unblock your EMI card by using their mobile app.
How to Unblock Bajaj EMI Card – FAQs
Q1. How I can recover my Unblock Bajaj EMI Card?
You can recover your Bajaj EMI card by visiting the customer portal and following the on-screen instructions.
Q2. How to check if Bajaj’s EMI Card is blocked or unblocked?
Quickly visit my account portal or use the wallet app and follow the on-screen steps, you will be able to check if your card is blocked or not.
Q3. How many days it takes to re-active your Bajaj EMI card
If your Baja EMI card got blocked due to a payment issue, you can follow the necessary steps and regain access within 45 days.