How to close RBL credit card? There are a few questions which one must know before start the process of closure of RBL credit card. These are-  Close my RBL credit card;Close RBL credit card online;Close RBL Bajaj Finserv credit card;Close RBL credit card EMI;Credit Score;RBL credit card cancellation customer care;Pros and Cons etc.

RBL Bank provides online and offline facility. Proper closure of RBL credit card is quite essential. Not closing the RBL Credit Card properly leads to loss of earned credit point or even it results into loss of overall credit point, be careful.

How to close RBL credit card

It can happen that many a time you wish to stop using a particular credit card because it is no longer beneficial to you or because you no longer receive any rewards

from it.

 Credit companies have a very customer-oriented way of dealing in which they target customers who seem to be dissatisfied with them. It is done with the help of their algorithmic study of every customer activity.

Therefore when you decide to cancel any credit card, you are bombarded with surprises and unusual benefits to carry on using the credit card and cancel the plan of closing down the credit card.

• Points to be noted before closure
• Close my RBL credit card
• Close RBL credit card online
• Close RBL Bajaj Finserv credit card
• Close RBL credit card EMI
• Credit Score
• RBL credit card cancellation customer care
• Pros and Cons
• Conclusion
• Frequently asked questions

Points to be noted before closure

RBL (Ratnakar Bank Limited) is an Indian bank that serves customers of India all over the country. It has a well-established customer base and is reputed for being customer friendly.

If you wish to cancel your credit card for personal reasons you can consider being aware of the following points so that it may not have an impact on your credit score or end you up in an unforeseen situation of mess.

• Check your credit card expenses details so that if there are any hidden charges that you aren’t intimated about, you can cross-check and verify with the bank.
• Sometimes you may be charged a minimal amount or sometimes even a big amount may be charged due to various reasons which only the bank would have noted for their selves and charged you accordingly.
•  Since you are not aware of the charges on the card you hold, it is good to cross-check with your knowledge of the expenditures made on the card. When you ask for clarification on the doubtful expenses reflected on your credit card expenses list, the bank is bound to tell you about the details of the charges.
• Never share your credit card details with anyone posing as a representative of the bank and requesting personal details like a pin code and other details.
• In the hassle of closing down your card, you can end up contacting random people and with their assistance trying to sort out the problem by contacting personnel posing as from the bank on call.
• In such cases of doubt, it is better to put off the conversation for a while and seek professional assistance by going to the bank and verifying it personally. Knowing that you want to close the card, you may carelessly give away information with all good hopes.
• Beware of malicious persons who are around to hunt down and rob people who use credit cards.
• Your credit score mustn’t be affected by your cancellation of the credit card. When you do timely payments on your bills, it helps to increase your credit score which is important for you in case you want to avail of a loan in the future.
• When you use multiple credit cards and you are not tracking the expenses on your cards, it can be possible that you may miss the dates of payments of credit due on your particular cards.
• It is therefore good to maintain a hand-written account of the expenses and the deadline of every credit card in use by you.
• Do not let your accumulated reward points go waste. You have to consume all your reward points if you plan to cancel your card, otherwise, they may get exhausted and you may not be able to avail them in the future.
• So, keep a check on the rewards and use them accordingly. Do not let it be that you have ignored the benefits that they are providing.
• Also, a point to remember is that when you are hurriedly using up the reward points and the other offers at your disposal, do not respond to any inquiry on your plan to cancel the card as sometimes if the credit company gets a feel of it, they may persuade you to keep the credit card and not close it down.
• When you close down your card, it is important to get a confirmation letter from the representative so that you are sure of the card being canceled and no undue charges may be levied upon you.
• Make sure that the confirmation letter mentions clearly that the card is no more valid and is already out of service.
• Before you process the cancellation of the credit card, make sure all the periodical billing which takes place on your card due to any subscription that is present annually or monthly is called off.
• You need to have a record of the details and forward a request to stop billing on the credit card that you are going to get cancelled.
• If you wish to continue your subscription, transfer the billing to any other credit or debit card you possess or put it on a halt and decide upon how you wish to pay for it.

Close my RBL credit card

There are various types and kinds of credit cards available with them for the variety of customers present.

The different types of credit cards available with them are World Safari Credit Card, Practo Plus Credit Card, Platinum Delight Card, World Max Super Card, Classic Platinum Card, etc.

All these different kinds of credit cards come with different kinds of offers that may be appealing to the customers who use the card. Also, the bills are updated spontaneously without much delay both on the application and the main account online.

The following tips are helpful in the closure of the RBL credit card

Process of closing down the RBL credit card

Through E-Mail

You can contact the credit company through the email option. Their customer service is available 24*7 and you can be assured that a response to your email will be given right away by their customer representative who will respond to the mail.

You can email them at [email protected] in case you possess a super credit card or you can even mail them at [email protected] for any of the other credit cards.

It is important that you mention all the important details of your contact information and also your identity for them to verify.

 Your email ID must be linked to the bank account on which the credit card is issued.

To avoid any fraud from taking place, there is utmost care taken by the company to make sure that the process is hassle-free and at the same time safe and secure.

Through Mail

You can send a handwritten letter to the bank branch of RBL with all the necessary mention of details. Make sure when you post the letter it is traceable.

Therefore, it is better to either avail of a speed post service or a courier service wherein the details of the shipment of the letter are updated online and you can check it anytime.

Also, make sure there is a mention of the word confidential so that it is understood that it is a letter of confidence and should not be tampered with.

You will have to cut the credit card that you are planning to cancel into half along the magnetic strip. Make sure the process of cutting the card is fine and there is no mistake. You need to mention all the details correctly in the letter that you are sending.

Contact Customer Care by Phone

You can contact the customer care service provided by the bank which is available 24*7. The customer care number is usually available on the back side of the credit card.

once you contact them you will have to go through an automated call process that directs you to the right department so that you can be assisted accordingly.

The customer care representatives are very polite and cooperative. They are trained to be customer friendly. Once you provide the details of yourself as asked by them, they will verify your identity and then proceed further with the options available to get the card canceled.

One thing that you will notice along is that they will persuade you to keep the card and offer you some rewards or attractive offers which will force you to drop the plan of canceling the card.

You can accordingly consider the plan or drop it when you get the offers and you wish to avail of them. For more details you can contact https://www.rblbank.com/contact-us

Visiting the branch of the Bank

You can also go and visit the nearest branch of the bank if it is feasible for you. When you wish to go to the branch right away, you need to personally write a cancellation request letter and go in person to the said branch of the RBL bank.

 You will be also asked to submit the credit card after cutting it diagonally along the magnetic strip. For the sake of identity confirmation, you will be asked to show proof of identity. Therefore you must carry valid ID proof for the same.

Close RBL credit card online

For the online closure process initiation of RBL credit card, you have to use the internet banking system. Please go to https://www.rblbank.com/ways-to-bank/online-banking/internet-banking

Follow the following procedure-

• Log in to the internet banking of RBL bank, and go to the credit card section.
• Scroll the mouse and come to the deactivation of the credit card tab. De-activate the credit card.
• Go to the mailbox available top left. Open the email.
• Email to Manager, Customer care and declare that all the outstanding amounts of money were cleared by you. Request him/her to close the credit card having such and such number.
• You will get the message of closure from the bank side, it will take 4-5 working days for a bank.
• Once you get the closure of the credit card message, it will advise that you demand a SIBIL report to re-verify the proper closure of the credit card.
• If there is any discrepancy, contact the bank official and get it corrected immediately. Otherwise, It will pose a problem for future credit scores.

Close RBL Bajaj Finserv credit card

RBL Bajaj Finserv credit card is known as a superb facility collaborative credit card. The website for this card is maintained by Bajaj Finserv. To close the credit card, you have to move through the web page https://www.bajajfinserv.in/super-card

Follow the following steps-

• Deposit the outstanding amount of money, if there is any.
• Check that all credit points are already been redeemed.
• Log in to the site of the above-given link.
• Go to the Secured Mail section available there.
• Mail the manager putting the subject of the message as Closure of RBL Bajaj Finserv credit card. Request the manager to close the credit card. Before sending the letter do deactivate the credit card.

Close RBL credit card EMI

• There is a pre-closure charge of the bank equal to three percent of the outstanding amount plus eighteen percent of Fees money as GST. You have to pay this extra amount of money with the full amount of the outstanding loan amount.
• To check the exact amount of money required to pay before the pre-closure of the RBL credit card loan, you are advised to contact the customer care of RBL bank. There you can get information regarding the amount of money you have to clear.
• Once you clear the outstanding amount, you have entitled to pre-close the ongoing loan. You can pre-close the loan with the help of customer care services or by the help of email.

If you wish to use the mail service for the pre-closure of the loan, you can mail the request letter from the mailbox available in your internet banking.

Credit Score

Your credit score is your credibility for the further request for any loan or credit from any bank. It defines your status of commitment to timely payments of dues to the bank. If you cancel the card, it will affect your credit score. Make sure your payments are cleared before you cancel the card and take a look at your credit score along with it.

Request for Free Credit Report

• It is important to demand a free credit report to be assured that your credit card is officially no more valid. The details of the cancellation will be defined clearly in the report. It will also contain proper details of all the transactions from the credit card.

RBL credit card customer care

You can contact the toll-free customer care phone number of the RBL bank for cancellation of credit card-related work- +912262327777 which is for the normal credit cards and +912271190900  for the super cards.

Pros and Cons

Conclusion

When you cancel your RBL credit card, make sure that you consider all the above-mentioned key points so that the whole process is hassle-free and smooth. Once you are sure that your RBL credit card is canceled you will not have to worry about anything to do with the canceled credit card.