It becomes increasingly difficult to imagine life without a debit or a credit card for a few days. It can be agonizing, if we have misplaced these cards. But, in case we have, we must be swift to block the debit card, so as to ensure that they are not misused by people.
There are different ways through which you can block your card.
This is one of the simplest ways through which you can block your debit and credit cards which are linked to your savings account. Individuals have to just login to net banking and follow the simple procedure.
The process hardly takes time and can be done within minutes. Of course, you must have access to the net, in order to complete the transaction and sucessfully block your debit and credit cards.
When there is no internet around, one can call phone banking of the respective bank to block the card.
To block the card, individuals should be able to provide the answer correctly such as DOB, Maiden name etc.
SBI card holders can block via IVR and the web. Dial 3902 0202, prefixing the STD code of your city, to block your card through the phone.
Banks like State Bank of India have come up with this facility for account holders for blocking their State Bank ATM debit card through SMS.
Individuals can send SMS from their registered mobile number
BLOCKXXXX to 567676
On acceptance of the request for blocking, the Cardholder shall get a confirmatory SMS alert with a ticket number, date and time of blocking.
Individuals can visit the nearest branch and inform about the card. The Bank will cancel the old card and arrange to issue you a new card on your request.
Points to note
- Note that many banks do charge an amount for new debit card request.
- Once you block and apply for the fresh card, it will take 2-4 days depending on the bank to get the new card.
- Toll-free numbers to block your card will be mentioned in the bank website.
- Only net banking registered customers can block the debit card online.
It is important that yo take immediate steps to block your debit card, once you realize that the same has been misplaced or lost. This is largely to avoid the card landing in wrong hands. It is is very important to use any of the above avenues for blocking the card.