# 5 steps to replace a damaged or non-working credit card 2026-08-17T08:04:30+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet A damaged or non-working credit card can disrupt daily payments and should be reported immediately, InstaMoney's chief business officer Nicky Sehwani told Livemint. The card must be blocked through the bank's app, internet banking or helpline, and a replacement request submitted. Livemint outlines five steps: block the card, report the issue to the issuer, request a replacement via the official app or helpline, track the new card using a transaction ID, and activate the new card upon arrival. The old card should be securely destroyed by cutting through the chip and card details. Until the replacement arrives, customers can use digital or virtual card options to maintain continuity. The process ensures account security and protects the holder's credit score. ## Coverage - livemint.com This story was synthesised by AI from the source linked above. Tags: credit card, InstaMoney, Nicky Sehwani, RBI Canonical: https://indianopinion.org/5-steps-to-replace-a-damaged-or-non-working-credit-card/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/5-steps-to-replace-a-damaged-or-non-working-credit-card/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/