Learn different ways to unblock Debit Card to restore usage
Consider this – You decide to go to the mall for your festive season shopping. After a good day of retail therapy, you get back home only to realise that your Debit Card is not in your wallet. You then recollect that you may have probably left behind your Debit Card at the billing counter of the food court. After many frantic calls to the mall, you get to know that there is no way you will get your card back.
Scary thought? But do not fret. There are ways to block your card remotely in a few minutes temporarily. Learn about how to unblock Debit Card after blocking it.
Similar to the above case, your Debit Card could get blocked due to various other reasons. Nevertheless, there are ways to unblock the card and restore its normal functioning. Depending upon why your card was blocked, you can look at ways to unblock it to carry out merchant payments or cash withdrawals at ATM kiosks. Here are some ways:
When you enter the wrong PIN thrice, the bank blocks your Debit Card for 24 hours to avoid misuse. After 24 hours, it will unlock on its own.
If you have blocked the card due to suspicious activity or due to your negligence and now would like to unblock it, you will have to place a request at the nearest bank branch. You may have to provide your identity proof along with your account number so that the bank can unblock the card.
Your card usually comes with a validity of 3-5 years. If the card has been blocked due to its expiry, the bank will issue a fresh one with a new card number and PIN.
A hotlist refers to a list of cards that have been reported stolen, cancelled, or compromised. This means you cannot use the card for any further transactions. Once your card is hot listed, you will have to request your bank to issue you a new card.
A lost, or stolen Debit Card could be used for fraudulent transactions. If you notice any unauthorised transaction on the card linked to your bank account, you should immediately alert the bank and follow the how to block Debit Card process mentioned above.
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*Disclaimer: This article is for information purposes only. We recommend you get in touch with your income tax advisor or CA for expert advice.