With credit cards becoming an essential part of daily financial transactions—from shopping and online payments to travel bookings and emergencies—the risk of misuse has also increased. In cases where a credit card is lost, stolen or suspected to have been compromised, permanently blocking the card is a crucial step to prevent fraud and financial loss.

Here is what cardholders should know.

What Is a Credit Card?

A credit card is issued by a bank or financial institution and allows the holder to spend up to a pre-approved credit limit. The amount spent must be repaid later, either in full or in instalments. Banks issue monthly statements detailing transactions and outstanding dues. While credit cards offer convenience and flexibility, misuse or negligence can result in serious financial consequences.

Five Smart Ways to Keep Your Credit Card Safe

• Never share your PIN or OTP: Do not disclose your card PIN, CVV or one-time password to anyone. If you hold multiple cards, use separate PINs for each.

• Avoid public devices and networks: Refrain from making payments on public computers or unsecured Wi-Fi networks, as they increase the risk of data theft.

• Do not save card details online: Avoid saving card numbers on websites, apps or browsers to reduce exposure in case of a data breach.

• Use secure internet and antivirus protection: Ensure your devices are protected with updated security software, especially while making online transactions.

• Monitor transactions regularly: Review SMS alerts and monthly statements carefully and report any suspicious activity to the bank immediately.

How to Permanently Block a Credit Card

Contact Customer Care:
The most reliable way to permanently block a credit card is by calling the bank’s customer care helpline. After verifying your identity through basic security questions, the bank can immediately block the card to prevent further use.

Most banks also offer the option to block cards permanently through mobile banking apps, internet banking portals or by visiting a branch in person. Once blocked, the card cannot be reactivated, and the bank usually issues a replacement card upon request.