A credit card is a universal means of payment. It can be used to pay for purchases and goods in stores, make transfers from account to account, take with you on vacation instead of a huge amount of banknotes. But everything in the world is imperfect, and the card can be blocked for a number of reasons.
Instructions
Step 1
How can you unblock it? First you need to find out for what reason the card is blocked. If you entered the wrong PIN code for the card 3 times or it was simply "swallowed" by the ATM due to a malfunction of its work, then you need to contact the nearest bank branch and write a corresponding application for unblocking. Next, a bank employee must scan your application and send it to the central office with a request to cancel the blocking. In a few minutes, the card can be used. And in some banks, such as Sberbank, unlocking occurs automatically after a day.
Step 2
There are times when the card can be lost through carelessness or the purse in which the plastic was stolen, or you simply forgot where you could put it. In such circumstances, it is necessary to inform the bank manager by phone about such acts as soon as possible. The employee blocks the card so that unauthorized persons cannot withdraw funds from your account, informs you about the available limit and asks you to contact the bank's office within 5 days to write a corresponding application. In the same office, you will need an application for card reissue. The procedure usually takes one to three weeks. After that, you should visit the bank office again with your passport and get a new card and a pin envelope for it.
Step 3
The card can also be blocked by the bank itself due to a violation by the borrower of the terms of the loan agreement. First, the fact that there is an overdue debt, the amount and number of days of delay. If the overdue debt is small and less than a month, then after depositing the amount, the plastic card will be unblocked in 3-4 days. If the client has a large debt to the bank and is more than a month, then in addition to the payment, you will have to write a memo, and only after its approval the borrower can again use the funds from the credit card. It will not be easy to unblock a card if there is a delay of more than three times in a row or if there is no payment, especially if the bank has blacklisted such a client.
