Credit card lena jitna aasan hai, usko band karwana (close karna) utna hi mushkil lagta hai. Banks hamesha aapko retention team ke paas bhejte hain jo aapse 20 sawal puchte hain. Lekin 2024-2026 ke updated RBI guidelines ke baad, power ab aapke haath mein hai.
Rule 1: Online Closure Button is Mandatory
Pehle banks bolte the ki "Sir branch aana padega" ya "Customer care pe call kariye". Naye RBI rule ke mutabiq, har bank ko apni mobile app aur net banking mein ek direct "Close Credit Card" button dena zaroori hai.
Agar HDFC, SBI, ya ICICI ki app mein aapko ye option nahi mil raha, toh aap simply unke registered email ID par closure request daal sakte hain.
Rule 2: 7 Working Days Limit
Bank ke paas aapki request process karne ke liye maximum 7 working days ka time hota hai. Agar aapke card par koi pending dues (outstanding balance) nahi hai, toh unhe card band karna hi padega.
₹500 Per Day Penalty!
Agar bank 7 din ke andar aapka card close nahi karta (aur aapka balance zero hai), toh 8th day se bank ko aapko ₹500 per day ka penalty pay karna padega jab tak wo card close nahi karte. Yes, you read that right!
Kise Card Band Nahi Karna Chahiye? (CIBIL Impact)
Agar aapka card sabse purana hai (Oldest Credit Line), toh usko band karne se aapki CIBIL score thodi drop ho sakti hai kyunki aapki "Average Credit Age" kam ho jayegi. Isliye, agar card Lifetime Free (LTF) hai, toh use open rakhne mein koi nuksan nahi hai.
Lekin agar card pe bhari annual fee lag rahi hai aur aap usko use nahi karte, toh CIBIL ke chote drop se darne ki zaroorat nahi hai. Fee bachana zyada important hai!
Fee Waiver Check Karein
Agar aap fee bachane ke liye card band kar rahe hain, toh ek baar check kar lein ki aap fee waiver target se kitna door hain.
Fee Waiver Tracker →