Prepared for: General cardholders / internal reference Date: [Current date] Subject: Understanding why and how an SBI Card gets blocked, and how to respond 1. Purpose This report outlines scenarios in which an SBI credit card may be blocked (temporarily or permanently), the procedures for voluntary blocking, and steps to resolve or replace a blocked card. 2. Types of Blocking | Type | Description | Reversible? | |------|-------------|--------------| | Temporary Block | Card suspended due to suspicious activity, failed OTP attempts, or temporary security hold. | Yes, after verification | | Permanent Block | Card blocked due to expiry, closure request, fraud, or policy violation. | No (new card required) | | Self-Blocking | Cardholder blocks lost/stolen card via app or customer care. | Only unblocked if recovered and not misused* |
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