5 steps to replace a damaged or non-working credit card

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.