Today, the services of this bank are used by a huge number of people. The main advantage of a credit institution is that all operations, including application processing, can be performed via the Internet. This greatly simplifies the process of obtaining debit cards. But Tinkoff Bank has no offices that you can contact if you have any questions. Receiving and depositing funds is carried out through ATMs of partners of this financial institution.
In this regard, the question arises of how to block the Tinkoff debit card via the Internet, and it is also interesting to know whether it is possible to terminate a loan product. Such a procedure is indeed possible, but it is necessary to consider all its features.
Possible reasons for blocking cards
Many users have at least once encountered such a need. The clients of a financial institution are faced with the question of how to block a Tinkoff card via the Internet or telephone, for several reasons. For example, such an initiative came from the owner of a banking product due to the fact that the plastic carrier was lost or stolen. In this case, the attacker is not only the personal data of the client. Fraudsters can use the card and even withdraw cash from it.
Sometimes it happens that the user forgot his PIN code and entered it incorrectly three times, using the services of an ATM. In this case, the unit simply absorbs the card. However, in this case, do not worry. The fact is that if the secret code is entered incorrectly, the card is automatically blocked for 24 hours. During this time, the client, if he entered the password incorrectly, must contact the bank.
Bank initiated lock
A debit or credit card can be suspended unilaterally by a financial institution. As a rule, this happens if the bank suspects that fraudulent operations are being carried out on plastic.
This can also happen if the user withdraws a large amount or transfers money abroad. If such operations are planned, then you should first contact a bank employee and warn him about your plans. This will eliminate unwanted blocking.
But what if the client needs to stop the card?
Legal features of voluntary blocking
Before you block the Tinkoff card via the Internet or using your smartphone, you need to clarify a few points. For example, the user has paid all the loan or wants to terminate the contract with a financial institution. In this case, you need to make sure that there are no debts on the card, and all additional (usually paid) services are disabled.
If personal savings remain on the account, then before you block the Tinkoff card via the Internet or in another way, you need to remove them through an ATM or transfer to another bank. The balance must be zero. If the account still has money, then it must be returned to the client at the time of termination of the contractual relationship. Usually they are transferred to a mobile phone or card of another bank.
It's important to know
Some clients forget to disable the SMS alert option and try to block. It is worth noting that this service is provided for a fee. According to the standard agreement, full account service is terminated only after 45 days. During this time, for an unchecked option, debt may accumulate, on which interest will gradually begin to increase. Therefore, you need to check several times that all services are disabled before blocking the Tinkoff card via the Internet. After that, you can proceed to the procedure itself.
Blocking methods
There are several options on how to block the Tinkoff card: via the Internet by card number, by sending SMS or by calling the call center. All these methods are simple and completely eliminate the need to visit a bank branch. Let's consider them in more detail.
Call Center
You can use the hotline services by a single number. After connecting with a specialist, you must tell him the bank card number, your personal data and indicate your intention to suspend the plastic. In addition, you will need to name the secret word and answer the specifying questions of the specialist.
Using phone
This method is even simpler. In this case, the lock is made via SMS. To do this, send a short message “Blocking” to number 2273. You will also need to indicate the last 4 digits of the card number. However, such an option is available only to those customers who use the services of the following mobile operators: Megafon, Beeline or MTS. This is the best and fastest method.
But it is worth noting that in this case only a temporary lock is possible. For example, this service is convenient if the plastic has been lost. To completely close the account, you need to terminate the contract. You can do this by calling the call center.
Through user account
This option is suitable for those who are interested in how to block a Tinkoff credit card via the Internet. In this case, it is enough to go through authorization in your personal account of the bank. To do this, just enter the password and login that were generated at the time of registration in the system. If the user does not have this data, then you need to enter the information of the new client. After registration or authorization, the user gets to the bank page. Here you should find the section that is responsible for managing payment instruments. After that, just click “Block” and confirm your intention.
In this case, the card is blocked for no longer than 10 minutes. However, despite this method, which explains how to block the Tinkoff card (via the Internet, by phone number), it is better to make sure that the contract has also been terminated. This nuance should be given special attention.
Features of termination of the contract with the bank
As mentioned earlier, in some cases, the card is blocked only temporarily. In order for it to completely cease its effect, it is necessary to terminate the contract correctly. After that, the bank manager must issue a statement to the client, which will reflect all the transactions that were carried out on the card. If the user ordered plastic, but did not activate it, and therefore did not use credit funds, then an extract is not required.
There are also situations when a client draws up a loan, and then realizes that he no longer needs a loan. In this case, you need to notify the bank about this as soon as possible, until the conditions for daily use of funds have begun to apply. It is necessary to terminate the contract, otherwise commissions and other interest rates, as well as paid services, may come into effect.
It is worth noting that the cards of this bank are valid for a very long period of time. Therefore, you should not wait until the lock comes automatically after the expiration of the plastic. Better terminate the contract.
How to block the Tinkoff Platinum card via the Internet
This type of loan product of the bank differs by the method of suspension. If the debit card is blocked without any consequences, then using a credit card can be difficult. For example, if its validity period is coming to an end, then the client might think that he has already paid off all debts and he does not need to perform any special manipulations to block it. But then he receives calls from bank managers who talk about debt. This is not surprising, because the statement was not received.
First of all, you should go to your personal account via the Internet and check the account debts. Also on the site page you can disable all services for which a fee is charged. But this is not enough. It is necessary to close the personal account. If we are talking about the Platinum credit product, then the application for blocking is considered for at least 1 month. Bank employees check payments and remaining customer debts. If they are fixed, then this time is enough to pay off.
Finally
We examined how to block the Tinkoff card through the Internet bank and in other ways. The procedure should not cause difficulties. Be sure to make sure that after closing the account, there will be no debt left on it. Otherwise, interest will begin to accrue on it. This will lead to rapid debt growth and sanctions by the financial institution.