How is closure of credit card different from the blocking of card?

If you have faced a credit card fraud, the immediate reaction is to call up the banker to get the card blocked. Impact: After blocking is done, there is no impact on the credit card account. On the other hand, closing of card leads to closure of credit card account. 4. Credit score: There is no impact on credit score while the card is blocked whereas the closure of account may impact your credit scoring on utilisation. Clearing of account: You don't need to clear your credit card account for blocking of card, whereas before closure of account, the card user is supposed to clear any outstanding balance.