Wrong Credit Card Transaction? Easy Steps to Complain and Get Your Refund

• Verify the transaction thoroughly before disputing; merchant names can differ, or family members might have used the card.
• First, contact the merchant for refunds on returns or cancellations; keep confirmation emails.
• If the merchant is unhelpful, file a complaint with your card-issuing bank within 30-60 days via call, app, or net banking.
• Pay the undisputed portion of your bill to avoid late fees and interest during the investigation.
• If the bank fails to resolve the issue, escalate to their Nodal Officer or file an online complaint with the RBI Ombudsman.