Wrong credit card charge? How to dispute it and get a chargeback
Updated 2026-10 · General information, not legal advice.
Card issuers must investigate disputed charges. Report quickly, in writing, and keep every reference number. If you did not authorise the transaction, report it at once.
When to use this
- A charge appears that you did not make
- You were charged twice for the same purchase
- A merchant charged you but did not deliver
Step by step
- 1
Block the card if it is unauthorised
Call the issuer to block the card and report the transaction at once. Early reporting limits your liability.
- 2
Raise a dispute in writing
Use the issuer's dispute form or email, with the transaction date, amount, merchant and proof such as invoices and messages.
- 3
Ask about the chargeback
Ask the issuer to start a chargeback with the merchant, and note the reference number and the promised time.
- 4
Escalate to the RBI Ombudsman
If the issuer rejects or delays beyond 30 days, file free at cms.rbi.org.in.
Key facts
- Report an unauthorised transaction within 3 working days to limit your liability
- Keep statements and every reference number
- Dispute windows are limited, so do not wait
Get your free action plan
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Common questions
What is a chargeback?
It is a process in which the card issuer asks the merchant's bank to return a disputed amount.
Is my card liable for fraud?
Liability depends on how fast you report and whether you shared credentials. Report at once and in writing.