What Should I Do If I Lost My HDFC Credit Card?

Today is the era of Cashless Economy, that is, in the present times, the use of Digital Banking, Net Banking and Digital Wallets is maximum and people have stopped keeping cash. Credit card is a part of this digital economy.

In this article, we will know that if we have any credit card of HDFC Bank, then What Should I Do If I Lost My HDFC Credit Card?

Always keep in mind that whenever your Credit Card is lost or stolen, then at that time we need to take immediate action because as we all know that we make payments with credit cards, so no one can misuse the credit card if it is lost, you should take immediate action against it.

If your HDFC Credit Card is lost or stolen due to any reason, then in that situation you should follow the legal steps to block and report it, we will see step by step –

How to Block Your HDFC Credit Card?

As soon as you realize that your credit card has been lost or as soon as you realize that you do not have your credit card with you, then immediately block your HDFC Credit Card. You can block HDFC Credit Card in both temporarily and permanently ways.

If you get your credit card temporarily blocked, then your credit card will be blocked for a short time, but if you get your credit card permanently blocked, then it will be blocked forever. We suggest that whenever our HDFC or any bank credit card is missing, we should get it permanently blocked, because we can contact the bank and get another credit card.

Blocking your lost credit card not only stops fraudulent transactions but it also protects you from misuse of your card.

You can block HDFC Credit Card in three ways –

1. Net Banking
2. Phone Banking
3. HDFC Bank Branch

Net Banking:

To get your HDFC Credit Card blocked through Net Banking, you can follow the steps given below –

• First of all, you have to go to the official website of HDFC Net Banking.
• After that you have to log in to Net Banking of HDFC with the Net Banking Id and Password of your credit card.
• Now you will click on the tab of Credit Cards
• After this you will click on Credit Card Hot listing in the left side
• Now you will see the list of all the HDFC Credit cards registered in your account here, you have to select the HDFC credit card that you want to block or hot list.
• Now enter the best reason for blocking your HDFC Credit Card.
• If you want to re-issue your card again, then you can select it or you can get it issued later also.
• Now we will submit it.

Phone Banking:

You can also get HDFC Credit Card blocked by talking to HDFC Credit Card Customer Care over phone. You can request to block your credit card by talking to the customer service agent of HDFC Credit Card and telling them the details of your credit card loss.

But keep in mind that while getting your credit card blocked by Phone Banking, you must have your credit card number, Id and Password and TIN (Telephone Identification Number) because while blocking your credit card, the customer service executive verifies with these things that you are the owner of the credit card.

To get HDFC Credit Card blocked through phone, HDFC Bank has different Customer Care Number depending on the location, which is as follows –

The HDFC Credit Card Customer Care Number is the same for all the cities given below, which is – 1800 266 4332

Agra, Ajmer, Allahabad, Bareilly, Bhubaneshwar, Bokhara, Cuttack, Chabad, Dehradun, Erode, Guwahati, Hisar, Jammu and Srinagar, Jamshedpur, Jhansi, Jodhpur, Karnal, Kanpur, Madurai, Mangalore, Mathura, Meerut, Moradabad, Muzaffarpur, Mysore, Pail, Patiala, Patna, Rajkot, Ranchi, Rourkela, Salem, Shimla, Silguero, Silva’s, Surat, Trichy, Udaipur, Varanasi

Given below are the phone numbers for Quarries of HDFC Credit Card’s International Location –

HDFC Bank Branch:

You can also get your HDFC Credit Card blocked by visiting the branch. For this, you have to go to the bank and fill a form called ‘block HDFC credit card’, you will also get this form online, In which the details of your credit card being lost or stolen will be asked and apart from this, some basic information about you and your credit card will be asked here.

You fill up this form and hand it over to the Executive of your branch so that they can continue the further process.

How to Report Your HDFC Credit Card?

Whenever your credit card is lost or stolen, you must register its FIR (First Information Report) in the nearest police station. As soon as an FIR related to your HDFC Credit card is registered, keep a copy of that FIR with you.

FIR copy serves as proof of theft of your credit card and also protects the complainant from credit card misuse and fraud. Apart from this, if the demand is made by the bank, then you can also submit a copy of the FIR regarding the loss of your HDFC Credit card to your bank.

Second, as we all know that these Credit Cards are issued by Financial Institutions or Banks, so do report the loss of your Credit Card to your bank. Because a credit card can be misused to withdraw cash in the blink of an eye, so as soon as possible, you must give information about it to your bank or company.

Always keep in mind once that if you report the loss of your credit card on time, then the Card Holder does not have to bear the expenses of whatever transactions happen after the loss of your credit card.

For this, either you can call the Bank’s Customer Helpline and inform them about it or you can go to the bank yourself and file a report.

Watch the Transaction Statements

Whenever your HDFC Credit Card is in loss, then at that time you should keep a close watch on your Transactions statements. If after the loss of your credit card, you feel that any payment is being made from the credit card, then immediately inform your bank about it.

Call your bank or physically tell that it is not you and you have lost your HDFC Credit Card and all these transactions are being done by an unknown person. Along with this, you can also submit a copy of your Transaction Statements to your bank and tell your bank that you have also registered an FIR for the loss of your credit card in your police station.

Friends, after knowing all these steps, you must have come to know that what should I Do If I Lost My HDFC Credit Card. Now let us discuss some more important Quarries related to this –

How Do I Request A New HDFC Credit Card After Losing The Old One?

When your HDFC or any bank’s Credit Card is lost or stolen and when you block it from the Bank’s Official Credit Card Net Banking Website So the bank gives you the option of a Re-Issue Credit Card even at that time, which you can tick and apply your same card again. For this, you will have to pay the appropriate amount to the bank and your credit card is sent to you through courier.

Secondly, while getting your credit card blocked, you do not put a request for a new credit card for yourself, then you can also contact your bank later to issue a credit card for yourself and the bank can ask you for a copy of the FIR as evidence of theft or a copy of the complaint in the bank and you are given a new HDFC Credit card on payment of a nominal charge.

How Do I Request a New HDFC Credit Card After Losing the Old One?

If your credit card is stolen or lost, you can apply for a new credit card immediately. You can do this through both online or offline. But if you want to apply for a new HDFC Credit Card for any other reason, then at least you should apply for your second credit card only after 90 days of the first credit card, and it will be better for you that you wait for six months for this.

Although there is no set limit for applying credit cards in a day, but submitting new credit card applications in a short span of time can affect your Credit Score.

Final Words:

Hopefully by now you must have come to know What Should I Do If I Lost My HDFC Credit Card. Don’t be complacent if you lose your credit card, follow the steps above because a little inadvertence can create a risk for you. No matter which company or bank your credit card belongs to, you can follow the same steps for all.

If you have any query related to this topic which has not been covered in this article then you must tell us in the comments. Thank you for visiting.