When does the need arise for blocking the HDFC credit card? With increasing phishing incidents that result in fraudulent transactions, the need to block the card has become very necessary. With the rising popularity of online transactions, the opportunities for fraud are on the increase, especially if the payment gateway does not insist on second-level authentication of the transaction through OTP. So if you get a message for a transaction that you have not initiated, you should immediately block the card. How to block credit card HDFC? Read further to understand the various ways that can be implemented to block the card effectively.
With the increasing number of credit card frauds, knowing the various ways of blocking the HDFC credit card is essential. Under what circumstances should the HDFC Credit Card blocking be initiated?
The credit card should be blocked if:
The bank has provided various avenues to block the card immediately to avoid further monetary damage. The card can be blocked through.
The most convenient way to block credit card is via HDFC net banking services. To block the credit card, you should follow the steps shown below:
To block the HDFC Credit Card through phone banking, you should keep the card number, Customer ID or PIN, and the TIN (telephone identification number) to access your account. When every required detail is ready, you can call on the following numbers for phone banking services.
After placing the call, you follow the steps given below:
For customers who are not conversant with net banking and have not registered for phone banking, the best way to block the credit card is to visit the nearest HDFC branch and follow the procedure given below.
It is imperative to report the fraudulent transaction immediately on detection to avoid further fraudulent activity. Reporting and temporarily blocking the card is the best way to avert further fraud using the credit card. Sometimes, you will notice the unauthorised transactions only on receiving the monthly bill. In such cases, you will have to make payment of the unauthorised transaction as well if you do not have a zero liability policy. A zero liability policy will save you from monetary loss as you will not be liable for unauthorised transactions.
You can block the HDFC Card in case of fraudulent activity through net banking or through phone banking. You can also call customer care as the services are available 24 X 7 and even on Sundays and Bank Holidays.
Blocking the HDFC credit card will become inevitable once suspicious transactions are noticed. But you will have to keep in mind a few things before blocking the card. They are:
Locating the suspicious transaction after permanently blocking the card and paying off the entire card liability will negate the chances of a refund of the suspicious transaction amount.
The preferred way to reactivate a blocked HDFC Credit Card is to call customer care and place a request for reactivation. If your credit card is stolen or lost and you have blocked it with a request for re-issuance, do not try to unblock it. Opt for unblocking the card only if the bank blocks the card for pending bills or for the usage of the card beyond the sanctioned limit.
Just a call to the HDFC customer care and your credit card can be blocked. While raising a request for blocking the credit card, you should have the following details ready.
You should prefix the STD code of the respective city while calling customer care. The helpline services are available round-the-clock, even on bank holidays and Sundays.
You can block HDFC credit card by SMS by sending an SMS through the registered mobile number in the format BLOCK followed by the 16 digit card number to 5676712. However, HDFC does not provide the facility of blocking the credit card through SMS at present.
HDFC offers a zero lost card liability facility for credit cards. Under this facility, if a fraudulent transaction occurs on a lost/stolen card, there will be zero liability on the fraudulent transaction if the fraud is reported immediately to the 24 x 7 customer care. It is essential to report the loss and block the card immediately using the phone banking services in the case of any fraudulent credit card transaction.
The different ways of blocking HDFC credit cards are:
You can unblock the credit card by calling the HDFC Credit Card Customer Care helpline and requesting the reactivation of the card. Do not venture into reactivating the credit card if you have opted for a re-issue of the credit card. Go for the unblocking option only if the Bank has blocked your card for repeated late payments or for spending beyond the credit limit.