Nowadays, closing, cancelling or deactivating a Credit card has been made as easy as applying for the same. Banks like HDFC Bank allows their existing credit cardholders to cancel or close the same easily at their own will. Let's now understand how to close HDFC credit cards online and offline at our convenience.
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Additional Info: Get Rs. 500 Per Day in a Delay of Credit Card Closure
HDFC Customer Care Service lets their customer close or cancel their credit card whenever they want by calling on the toll-free number "61606161", which is 24x7 available. Customers can easily get their queries resolved by calling on this number.
HDFC Bank provides city-specific customer care numbers as well for the convenience of their users. Below mentioned are the HDFC Bank customer care numbers for specific cities along with city codes:-
|HDFC Bank Customer Care Numbers|
|Delhi & NCR||011 61606161|
Note: You might be charged for calling as per your tariff plan with the service provider
For any other city which is not mentioned above, customers can visit this link.
Following are the steps for closing an HDFC credit card by filling an application form:-
Step 1:- Firstly, the HDFC credit card closure form should be downloaded from this link.
Step 2:- Next, one should fill the form and then send it to the below-mentioned address.
HDFC Bank Cards Division,
P.O.Box No.8654, Thiruvanmiyur P.O.
Chennai – 600 041
After initiation of cancellation of credit card, it should be cut diagonally by the cardholder. Also, cancellation or closure of primary credit cards would result in cancellation or closure of add-on credit cards as well, i.e. they would be terminated automatically.
After realising that either fraud has occurred on your card or any unauthorised transaction has been done, you should immediately inform your respective bank at the earliest.
In the case of HDFC Bank, the following are the different methods available through which one can get its card blocked in case of fraud.
Following are some of the simple steps, using which you can get your credit card blocked using net banking:-
Step 1:- At first, Simply login to HDFC Website by clicking on- https://netbanking.hdfcbank.com/netbanking/.
Step 2:- Enter your customer ID & your password.
Step 3:- Once you are logged in, go to the "Card" Tab.
Step 4:- Then, under Credit Card Section, go to "Request".
Step 5:- After clicking on Credit Cart Hotlisting, your bank will block your card.
Following are some of the simple steps, using which you can get your credit card blocked using mobile banking:-
Step 1:- For blocking your credit card by using mobile banking, at first, you need to have HDFC mobile banking app on your device that can be simply downloaded from App Store/ Play Store by IOS/Android users, respectively.
Step 2:- You can either use a 4-digit PIN to log in, or you can use Touch ID as well for the same.
Step 3:- Go to "Menu", then click on "Pay", and after that, go to the "Cards" section.
Step 4:- Select the credit card from the list of cards that you need to block because of fraudulent activity being done on that card.
Step 5:- To get the card closed or blocked, click on the "Block" option after providing the reason for the same, which either can be lost or stolen.
Step 6:- Once the card is blocked, you can even opt for the re-issuance of a credit card through Mobile banking only.
In case of fraudulent activity on your HDFC credit card, one can get it closed by making a call on your phone banking number so as to report fraudulent activity being done. The customer care number will depend on the city or country in which you reside, details of which can be obtained from HDFC's official website.
One can also call on 18002586161 to report the fraudulent activity done or to get the credit card blocked. Once it is blocked, the bank can be asked for the re-issuance of a new credit card.
Once that you have decided to make a call to the customer care number to report the fraud, you need to keep in advance the following information ready.
HDFC Phone Banking Number in case of NRI’s:-
|Country||Phone Banking Number|
|United States of America||855-999-6061|
Things to Keep in Mind While Closing HDFC Credit Card
Many a times customer feels it very fussy to manage credit cards, or sometimes they get a better option, i.e. better offers from some other bank which suits their financial requirements in a better manner due to which need arises to close or cancel a current credit card. So, it is of extreme importance for you to know the process of closing or deactivating HDFC credit card or any other bank credit card.
Let's now have a look at some of the key points to consider before knowing how to close HDFC credit card online or offline:
Consequences of closing the credit card
Suppose we speak about the overall credit limit, which would get reduced if one of the cards is cancelled or closed. As a result of which there would be an increase in the utilisation of credit limit if expenses remain the same. This would end up adversely affecting the credit score and also getting loan approval.
The answer to the question is Yes, but only if the credit cardholder uses more than one credit card. As explained above, cancellation of one of the credit cards would result in a reduction of the overall credit limit, but simultaneously an increase in the utilisation of credit limit. So, in this way, cancellation or closure of credit cards would adversely affect CIBIL score.
Below mentioned are the steps for reactivating a deactivated HDFC Bank credit card:-
Step 1:- The application form should be downloaded from the HDFC's official website, i.e. www.hdfcbank.com, if the cardholder wants to reactivate the closed credit card.
Step 2:- After filling up the same, it should be sent to the below-mentioned address.
HDFC Bank Cards Division, PO Box 8654, Thiruvanmiyur, Chennai-600041
Step 3:- Upon successful verification of the same, the bank would reactivate the credit card.
The difference between debit & credit cards is that the debit card balance is deducted immediately at the time of the transaction, but in credit card balance is deducted from the pre-approved limit, and the cardholder is allowed to make its payment over a period of time that is fixed in advance along with interest.
Below mentioned are the steps for the same:-
Step 1:- Login into your HDFC account and go to Credit Card Section.
Step 2:- Next, click on Credit Card Hotlisting.
Step 3:- Select a credit card out of the list of all credit cards which needs to be closed.
Step 4:- Once the reason for closure is shown, it would make the card non-operational and would be closed.