How to dispute a wrong transaction on my credit card
Nayan Yadav
Asked 31 Mar 2026
I see a transaction of ₹1,50,000 on my credit card statement that I never made. What is the exact dispute process and how long does the refund take?
2 Answers
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.
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.
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