Bajaj Finserv — Collected Activation FEEs & EMI Card Blocked After 2 Weeks

I have been using an EMI card for around 8-10 years and I have purchased N no. of products and paid EMIs on time.
Due to Pandemic, in the month of April, I couldn't deposit money and pay my EMI on time due to restrictions on my locality and banks also were unaccessible. also, the bajaj website was down due to some technical error, and was unable to apply for a moratorium (which ended up paying an extra 8K and change + Bounce charges + Late fee) on time. The screenshot was shared with the bajaj ([protected]@bajajfinserv.in) at the same time.
After so many months of on-time payment, and good transaction history, they started showing offers (Pre Approved Loan 1.8L, and EMI Health Card) Even for activating the Health card, they have charged me 700 change and after 2 weeks bajaj have blocked Health Card, EMI card and still shows the pre-approved loan offer. Literally, they are cheating customers in the name of No Cost EMI

Message Received after Raising Concern (there is not EMI pending for last 24 months) :

Dear Mini Ramakrishnan,

Greetings and thank you for writing to us!

With reference to your service request regarding status of your Bajaj Finserv Network Cards, we would like to inform you that your card is permanently blocked inline with our credit policy.

EMI Network Card: 5117,
Health EMI Network Card : NA
Block Reason : Multiple bounces are observed on your loans in the past 12 months
What action to be taken : All pending EMI's to be paid. Pay online https://bfin.in/?530G0GFABJ
When will it be unblocked: Your card is permanently blocked and cannot be considered for unblocking.

As per our credit policy, BFL takes into account various factors such as credit report scores registered with CIBIL bureau (details available on www.cibil.com), residence/office address verification and overall credit & repayment performance across BFL loans & other lenders.

Any document proof for unblocking consideration, should be sent to us only in a PDF format.

It is our constant endeavour to ensure you have our best attention at all times.

For a speedy resolution, it is best email to us from registered email ID and mention your Loan Account number in the subject line. Do check SPAM/TRASH folder, in case of non-receipt of email.

To Know your EMI Card Details – Please click on this link- https://bfin.in/?530G0GFABJ

Click the above options to raise a request, make online payments, access Statement of Account, and more.

To know the details of your latest relationships, give a missed call on +[protected].

Have a great day!

Ward regards,
Bajaj Finserv