How to dispute a wrong transaction on my credit card
Saanvi Naik
Asked 13 Apr 2026
I see a transaction of ₹1,00,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
2 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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