How to dispute a wrong transaction on my credit card
Kundavai Khatua
Asked 18 Apr 2026
I see a transaction of ₹75,000 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.
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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