The Bajaj Finserv EMI Network proves to be a highly efficient and ideal platform for big-ticket purchases like home appliances, electronics, etc., and there are several reasons for that. For instance, individuals with an active Bajaj Finserv EMI Network Card can make purchases on No Cost EMIs. However, this card can get blocked under various circumstances. In such situations, individuals must initiate a request to unblock a Bajaj Finserv EMI Network card as soon as possible. Experia portal proves to be quite ideal for this purpose.
How to unblock Bajaj Finserv EMI Network card via Experia portal?
Individuals searching “how to unblock Bajaj Finserv EMI Network card using Experia” must follow the below-mentioned steps to initiate the unlocking process:
- Log in to Bajaj Customer Portal – Experia and enter mobile number or customer ID
- Opt to either input a password or receive an OTP on the registered mobile number
- Navigate to ‘My Relations’ and choose ‘EMI Network Card’
- Click on ‘View All’ and select ‘EMI Card Details’
- Choose ‘Block/Unblock/Reissue’ to proceed
- Carry out the process displayed on the screen to unblock the card
Individuals with the search query “how to unblock Bajaj Finserv EMI Network card” must note that reactivation or unblocking can take up to 70 days based on the infraction.
Why does a Bajaj Finserv EMI Network Card get blocked
Besides the above-mentioned unblocking method, there are other ways to unblock a Bajaj Finserv EMI Network card. But individuals must first identify the reason behind their EMI Network card blocking.
Given below is an illustration of some reasons along with the approach that individuals must take to unblock their cards:
Credit score below 750
Bajaj Finserv periodically checks an individual’s credit score. Thus, it is imperative to maintain a CIBIL score of more than 750. If an EMI Network card got blocked because of a low credit score, individuals need to follow these steps to unblock it:
1: Pay unpaid dues to restore CIBIL score to a minimum of 750
2: Download latest copy of credit score
3: Share the latest credit report at the financial institution and appeal to unblock the EMI card
Missing out on EMI payment
Individuals who have missed an EMI payment during the last billing cycle must rectify it so that their cards get unblocked. Following any of the below-mentioned methods will help an individual to clear up the dues easily:
- Paying via the official web portal
- Using the mobile app
- Visiting a Bajaj Finserv branch in person
- Paying via Bajaj Experia portal login
Incomplete ECS mandate processing
It is imperative for individuals to submit the ECS mandate. This occurs when an individual does not authorise the financial institution to enable auto-debit of the EMIs.
To keep the card active, concerned individuals must enquire about ECS mandate issues in detail. The mandate may not accepted due to several reasons. Also, discrepancies can arise regarding account details in the mandate.
In such cases, individuals must consider submitting a new ECS mandate at a Bajaj Finserv branch to restart the procedure. While doing so, individuals must pay the advance EMI if they opt to start the mandated process at the beginning or middle of a month. Also, they should manually clear the EMIs by the 22nd of every month till the mandate goes through and deductions occur automatically.
This will help in keeping the card active always. Individuals can expect unblocking to occur within 45 days after completing the above-mentioned procedure.
Individuals searching “how to unblock Bajaj Finserv EMI Network Card” must note that there is an offline process as well. They need to call the customer care helpline on 086980 10101 and inform the financial institution’s representative about the issue. Individuals must keep their EMI card number or 7 digit customer ID handy for this offline process.
Besides the unblocking procedure via the Experia customer portal, individuals must also keep in mind the other steps to unblock a Bajaj Finserv EMI Network Card.