| Cause | Feasibility of Unblock | Action Required | | :--- | :--- | :--- | | Low CIBIL score | Medium-High | Improve credit score (6-12 months), then request review. | | Dormant/inactive card | High | Call customer care. Often unblocked instantly after a small transaction or request. | | High debt-to-income ratio | Low | Reduce other loan EMIs. May require closing other credit lines. | | Internal behavioural flags | Low-Medium | Maintain clean transaction patterns for 3-6 months; no guarantee. | | Income/employment change | Medium | Submit fresh income proof (salary slips, ITR) via branch or app. |
The best way to fix it is to pause spending, clear your debts, and wait for your credit profile to stabilize. Once your credit score improves and your debt-to-income ratio looks healthier, Bajaj’s system will likely unblock the card automatically within 3 to 6 months. bajaj emi card blocked due to credit policy
Understanding the cause is the first step toward a solution. Here are the most common triggers: | Cause | Feasibility of Unblock | Action
Bajaj Finserv (and its lending partners) has an automated algorithm that constantly monitors the credit behavior of its users. This algorithm goes beyond just checking if you paid your last EMI. It assesses your overall "Credit Health." | | High debt-to-income ratio | Low | Reduce other loan EMIs
Bajaj Finserv periodically checks your credit report. If your score drops significantly—due to late payments on other loans, high credit utilization on other cards, or loan defaults—their system may flag your EMI card as high-risk, leading to an automatic block.