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Know Full Process to Unblock Your Insta EMI Card

unblock insta emi card

With the Bajaj Finserv EMI Network Card, formerly known as the Bajaj Finserv EMI card, you can access up to Rs.4 lakh in pre-approved credit as a line of credit. In addition to household appliances and groceries, you can use this credit line for a wide variety of in-store and online purchases. A second benefit of the Insta EMI Card is that it allows you to purchase items without paying any interest at partner stores. In the sections below, you can see how to apply for this card, its features, its interest rate, and much help unblock Insta EMI Card.

Your Insta EMI Card may be blocked for several reasons, including not making payments or a drop in your CIBIL score. Your card can be unblocked in such cases so that you can continue to purchase items. Unblocking an Insta EMI Card requires understanding why your card was blocked in the first place. Here are some Bajaj Card unblock guidelines to make the process easier.

Why does the EMI card get blocked?

Your Insta EMI Card can be blocked in certain circumstances. Several factors contribute to this:

  • The EMI you were supposed to pay on time was not paid 
  • There is less than 750 on your CIBIL score
  • Your ECS mandate has not been submitted correctly 

When making a purchase, if your EMI card is blocked, you should contact customer service to find out why. If you need your Insta EMI Card unblocked, you can contact customer service department:

  • You can reach out at 08698010101
  • Please provide your EMI card number, Customer ID, and payment method 
  • Provide details about the card issue you are experiencing

Once your blocked Insta EMI Card issues have been resolved, you will obtain an email notification. 

Steps can be taken to unblock your card

  • You should pay off your EMI as soon as possible

Your missed EMI payment can be made manually or through the ‘My Account’ portal on the Bajaj Finserv app if you haven’t made it.

  • You need a 750 or higher CIBIL score

Bajaj Finserv EMI Network Card users must maintain a minimum CIBIL score of 750 to maintain access to their cards. Your card might be blocked if your CIBIL score dips, but there are three steps you can take to fix it. In order to share the latest CIBIL score report, you will need to pay any unpaid dues, download the latest CIBIL score, and directly contact Bajaj Finserv representatives through the website.

  • Make sure your bank settles any ECS mandates or submits a new ECS mandate

ECS mandate processing is crucial for the continued use of your card since EMIs are directly withdrawn from your provided bank account. Your bank must accept your ECS mandate in order to ensure uninterrupted monthly payments. The nearest Bajaj Finserv representative can help you submit a new ECS mandate if you encounter problems.

It is possible to monitor your card’s status via the Wall App under the ‘My Account’ section. You can select the ‘EMI Network Card’ by logging into the portal and then going to the ‘My Relations’ section. The EMI card can also be viewed by clicking ‘See EMI Card Now’ under the ‘Know More section. 

  • To log in, you must go to the Bajaj Finserv customer portal and enter your email address, customer number, and OTP.
  • Click on the ‘My Relations’
  • Click on the ‘EMI Network Card option 
  • Choose the ‘View All’ option
  • Click on the ‘EMI card details’ section 
  • Now choose whether to block or unblock the card or reissue a new one.  

What is the procedure for checking whether Bajaj Finserv EMI Network Card has been unblocked or blocked?

By using the My Account portal or the wallet app, you can check the status of your Bajaj Finserv EMI Network Card. The EMI Network Card can be accessed by logging into My Account, going to My Relations, and clicking the link. Otherwise, you can check whether your EMI Network Card is blocked by logging into the Bajaj Wallet App, going to the ‘Know More’ section, and clicking ‘See EMI Card Now.’

How do you unblock the Bajaj card if you have not yet received your ECS mandate?

The Bajaj Finserv customer care service can help you understand the problem if your EMI Network Card is blocked because of an ECS issue. In the following days, you can contact your bank to see if there are any discrepancies. A fresh mandate can always be submitted, and a resolution can be found.

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