How to dispute a wrong transaction on my credit card
Naveen Ramaswamy
Asked 4 Apr 2026
11
I see a transaction of ₹60,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
2 Answers
Accepted
1
Sai Mukherjee·12 Mar 2026
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
3
Harshit Khatri·21 May 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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