How to dispute a wrong transaction on my credit card
Amaira Sinha
Asked 8 Jun 2026
I see a transaction of ₹40,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
2 Answers
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
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