How to Close and Block BoB Credit Card

You can close your Bank of Baroda Credit Card offline by terminating the credit card agreement any time through a written notice. All you need to do is write an application or a notice to the bank informing that you want to close your credit card with stating the reason. Also, along with the application, you need to return the credit card or any add-on credit card by cutting them into several pieces.

However, if you have any dues or outstanding payments from the previous billing cycles, the bank has all the right to terminate or cancel your application. You need to clear all the dues before sending a request for cancellation.

You should bear the following points in mind if you are planning to close your credit card:

• Credit cards can only be cancelled if the card’s due balance has been cleared, BOB will not process the cancellation request if there is any due amount on the card
• Cancel all automatic payments and subscriptions linked with the BoB credit card
• Make sure to get a written confirmation of the card issuer mentioning the exact date of closure
• Remember closing a credit card may negatively affect the credit score as the credit limit will be reduced and the average credit history will also be reduced

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It is advisable not to close your credit card as it can impact your credit score. This is because if you close your credit card, your available credit limit will also reduce. As a result, your Credit Utilization Ratio (CUR) will increase, which is risky as a higher CUR makes you look credit hungry and issuers may hesitate to give you another credit card. Hence, to maintain a good CUR, it is advisable not to close your credit card.

Besides this, the length of your credit history accounts is one of the major factors that affect your credit score. Closing a credit card basically means lowering the average age of accounts on your credit report. Also, if the credit card that you have closed has missed payments, it will remain on your credit report for five to seven years.

You can block your Bank of Baroda Credit Card through online as well as offline modes. Below mentioned are all the details regarding how to block Bank of Baroda Credit Card:

How to Block BoB Credit Card Online

To block your credit card online, all you need to do is drop an email to the bank requesting to block your credit card. You can ask BOB to block your card by providing a relevant reason. You can drop an email to the below-mentioned email address:

crm@bobfinancial.co

How to Block BoB Credit Card Offline

You can block BoB Credit Card offline through any of the below-mentioned ways:

Through Phone Banking

You can contact the BoB credit card customer care and ask the representative to block your card by stating the relevant reason. After this, the representative will your verify your details and process your request. The toll-free numbers are:

1800 225 100 / 1800 103 1006

Through SMS

You can also bock Bank of Baroda credit card by sending the below given SMS to 9223172141 from your registered contact number:

BLOCK XXXX

Here, XXXX is the last four digits of your BoB credit card number.

Through Branch Visit

One of the easiest way to block your credit card is to visit any of the nearest branches of the bank and asking the bank official to block your credit card. However, in such case, you need to submit an application form along with a photocopy of identity proof for the verification. After a successful verification, the bank will process your request.

• You should call or send an SMS from registered mobile number if you are blocking your credit card via phone banking
• In case of theft or loss of credit card, you must file a police complaint and lodge a First Information Report (FIR)
• Please be ready with the following information before making a call: your credit card number, registered mailing address and registered email ID

Blocking a credit card does not mean the credit card account will be closed. Detailed instructions on how to close your credit card account can be found here.

If you have lost your Bank of Baroda Credit Card or someone is using it, you can report it to the bank through any of the below-mentioned ways:

• In case of a theft or loss, you can inform the bank by contacting customer care at 1800 225 100 or by visiting any of the nearest branches of the bank and get your card blocked immediately
• However, while reporting any loss, you need to submit a copy of the complaint or FIR to the bank for the confirmation
• If your card has not lost, and you want to report misuse of your card, you can file an FIR online to the local cyber crime cell of the State Police and submit the copy of the same to the bank
• One thing you must remember is that you will be liable for all transactions made on your card until you block your card or submit a written confirmation along with a complaint or FIR to the bank

Q. Will there be a fee charged on the calls made to initiate a cancellation request of my BoB Credit Card?
A. No, the toll free numbers do not charge any fees. Tolled number’s charge will be dependent on the telecom provider. You can call on toll free numbers on 1800 225 100 / 1800 103 1006.

Q. What is the procedure to cancel Bank of Baroda add-on card?
A. Add-on cards can be individually cancelled with the same procedure that is used to cancel a primary card. At the same time, if you cancel a primary credit card the supplementary credit cards linked to it will be cancelled automatically.

Q. Will I be able to transfer my balance after initiating my Bank of Baroda card cancellation?
A. No, that can’t be done. You will not be able to cancel a card before clearing all the dues.

Q. Will I need to give away the BOB card to the bank after cancellation?
A. Yes, you must give back the credit card after cutting it in half. Do note that when giving back the credit card, you should cut the card diagonally through the magnetic chip.

Q. How can I make a request for replacement card after blocking my BoB card?
A. Bank of Baroda will issue a replacement card as soon as they receive information about your lost card. You will be charged Rs. 100 for the replacement credit card.

Q. Should I block primary credit card as well on losing an add-on credit card?
A. No, there is no need to block your add-on credit card in case you lose your primary credit card. You can just block the secondary credit card and have it replaced.

Q. How can I unblock my Bank of Baroda credit card?
A. You can call on the toll free number; 1800225100/ 18001031006 to unblock your credit card.The representative will ask a few details for the verification and process your request.