Making big-ticket purchases can prove to be financially strenuous for several individuals. However, with the Bajaj Finserv EMI Network Card, customers need not worry about all these. This card allows customers to buy their desired items against easy EMIs. Besides these, individuals should be aware of vital details that include how to check Bajaj Finserv EMI Network Card status, limit and more.
How to check Bajaj Finserv EMI Network Card limit online?
Individuals can check their Bajaj Finserv EMI Network Card limit online via Experia – an official portal catering to an array of customer requirements. All they need to do is visit the Bajaj Finserv Experia portal and follow these steps:
Step 1: Input Customer ID
Step 2: Enter the OTP sent on the registered mobile number
Step 3: Choose ‘Services’ after logging in
Step 4: Navigate to ‘My Relations’ and select ‘EMI Card’. You will be able to view your card in the top right corner. Also, you can view the Bajaj Finserv EMI Network Card limit under ‘Total Limit’
Besides knowing the process of reviewing the credit limit using the Bajaj Finserv customer portal-Experia, one should also learn how to extend it.
Ways to increase Bajaj EMI Network Card limit
The Bajaj Finserv EMI Network Card limit depends on several factors and is subject to change whenever there is a revision in credit policy. Besides knowing how to check the EMI Network Card limit via the Bajaj customer portal, individuals must be aware of several methods to increase the same. Illustrated below are some ways:
- Showing a higher disposable income
Greater an individual’s income, the higher the amount that financial institutions will be willing to lend out. For an EMI Network Card, the income influences the limit established on the pre-approved purchases. Also, lending institutions need to ensure that an individual can punctually repay EMIs. Thus an increased monthly disposable income implies that an individual is more likely to keep up with the repayment commitments.
- Maintaining a higher CIBIL score
The financial institutions use the CIBIL score to ascertain an individual’s creditworthiness and probability of punctually repaying the loan. Thus, maintaining a greater CIBIL score will definitely be helpful for the concerned individuals. Individuals with a low CIBIL score must note that there are various ways to improve the same, like maintaining a good repayment history.
Besides these two, an individual’s place of residence also plays a significant role in this matter. For instance, individuals living in a rented accommodation spend a part of their income towards rent payment, which lowers their disposable income. On the contrary, someone living in their own house saves that particular portion of their income, implying that they have an increased financial bandwidth to pay the EMIs punctually.
Additionally, an individual’s overall credit performance across other lending institutions and employment status are other vital factors related to the Bajaj Finserv EMI Network Card limit.
How to check the status of Network Card?
Checking the Bajaj Finserv EMI Network Card status is a straightforward procedure. Individuals can choose to carry out this process by following the below-mentioned steps after logging into the Experia customer portal:
Step 1: Enter customer ID, registered email address and registered phone number.
Step 2: Complete the Bajaj Experia login process using the OTP sent to the registered mobile number (if you log in with the phone/email ID) or the password (if you log in with the customer ID). Alternatively, individuals can log in with their Google or Facebook account.
Step 3: Navigate to ‘My Relationship’ and choose ‘EMI Network Card’. All details related to Bajaj Finserv EMI Network Card will be accessible here.
Apart from this, concerned individuals must note that they can also check EMI Network Card status via Bajaj Finserv Wallet app. Thus individuals must keep in mind the abovementioned steps regarding how to check Bajaj EMI Network Card status and limit. Also, they should take note of the various ways to increase the limit.
This article aims to provide customers with vital information regarding the Bajaj Finserv EMI Network Card. Besides these, customers can also learn how to check their Bajaj Finserv EMI Network Card limit online. Also, they can learn how to extend their Bajaj Finserv EMI Network Card limit.OUTLINEKnow your Bajaj Finserv EMI Network Card limit & tips to improve On
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