How to Block Debit Card by Following these Simple Steps (2024)
A Debit Card is one of the most convenient payment methods. There is no worry about paying a bill after the end of the month, and neither is problem of a credit limit. Since the Debit Card directly deducts money from the bank account, it is a very useful tool to make payments.
Nowadays with the improvement in technology and an increase in the use ofDebit Cards,there is an increased risk of a Debit Card getting cloned. There are a lot of stories of fraudsters cloning the Debit Card and swiping it, causing a great deal of loss to the cardholder. Withdrawing your cash at a spurious ATM may also be risky because there are softwares that can steal the Debit Card PIN information, making it even riskier. Finally, each card has a risk of theft associated with it.
In case any of these possibilities happen to you, there are a few quick steps you must take. The minute you realise your Debit Card is lost, or get any intimation from the bank about a transaction you did not make, it is best to block your Debit Card.
The procedure of how to block Debit Card is easily available online. It differs for most banks. Some banks even block the card via SMS, while most others block it on mobile banking or net banking.
How can I block my Debit Card?
The procedure to block your Debit Card is very simple. If you want to block the Debit Card via NetBanking for an HDFC Bank Debit Card, the procedure is:
Click on the New Debit Card. Under this tab, you will find an option for Debit Card hot listing. If you click on this, you will see the different cards that are linked to your bank account
Select the Debit Card that you wish to be blocked
You will need to input the reasons for hot listing. Once you do that, press confirm
The system will hotlist or block yourDebit Card onlineand send you a confirmation.
The procedure to block your Debit Card is almost similar for other banks offering hot listing online.
For most banks, Debit Cards can be blocked via Phone Banking as well. The procedure of how to block Debit Card by Phone Banking is:
Call up the bank and authenticate yourself
Authenticate and confirm the Debit Card details
The Phone Banking customer executive may ask you for some security questions. So, before you call, be prepared to answer those questions.
Once confirmed, the customer executive will block your Debit Card.
Lost your Debit Card and want to block it? Clickhereto get started!
New customers can get a newDebit Cardthrough opening a newSavings Accountwhile experiencing hassle-free banking with HDFC Bank.Existing HDFC Bank customers can get theirDebit Cardreissued within minutes here.
Received a new Debit Card? Click here to know how to activate yourDebit Card!
* Terms & conditions apply. Debit Card approvals are at sole discretion of HDFC Bank Ltd
Normally debit cards can be blocked if there is fraud on the account so the fraudster can't do any more damage to your account. However, there can be times where your card gets blocked because the store you went to has had a high volume of fraudulent charges made at the specific location.
Call the company and tell them you are taking away your permission for the company to take automatic payments out of your bank account. The company's customer service should be able to help you, and there might be an online form you can use. Then, follow up by writing a letter or an e-mail.
You can tell the card issuer by phone, email or letter. Your card issuer has no right to insist that you ask the company taking the payment first. They have to stop the payments if you ask them to. If you ask to stop a payment, the card issuer should investigate each case on its own merit.
Credit card companies call the feature different names, often using the terms "lock" or "freeze." To initiate an immediate lock or to cancel a lock, use your card issuer's mobile app or log in to your online account to activate an on-off switch. Many debit card accounts also feature a lock.
The first step to take if you notice suspicious activity on a debit card is to lock the card. Some mobile banking apps allow users to lock a card through the app, but if not, call the bank or credit union and ask the representative to do it.
If your bank is one that allows you to report a lost or stolen card via its app, or temporarily turn your card off, start there. It may be a quicker option than calling customer service and waiting to speak to a representative. If you can't use the bank's mobile app, call customer service ASAP.
Go to the bank's official website and login to the net banking section. After logging in to the bank net banking portal, the cardholder should look for the “ATM Card Block” section and follow the steps required by the bank. Follow the directions there to get the ATM card hotlisted.
Debit Card Control is a FREE service which allows you to take control of your debit card transactions. Turn your card on or off, block certain types of transactions, block certain merchants, and even set spending limits. All controlled by you!
Introduction: My name is Velia Krajcik, I am a handsome, clean, lucky, gleaming, magnificent, proud, glorious person who loves writing and wants to share my knowledge and understanding with you.
We notice you're using an ad blocker
Without advertising income, we can't keep making this site awesome for you.
