What is the process for disputing a charge on your credit card?

To dispute a charge on your credit card in India, you can follow these general steps:

1. Review your credit card statement: Carefully go through your credit card statement and identify the specific charge that you want to dispute.

2. Contact the credit card issuer: Reach out to your credit card issuer's customer service through the phone number provided on the back of your credit card or on your credit card statement. Inform them about the charge you wish to dispute.

3. Provide necessary details: During your conversation with the credit card issuer's customer service, be prepared to provide details about the disputed charge, such as the transaction date, amount, and merchant information. It's helpful to have any relevant supporting documentation, such as receipts or communication records with the merchant.

4. Lodge a formal dispute: The credit card issuer will guide you through the formal dispute process. They may ask you to fill out a dispute form or provide a written complaint explaining the details of the disputed charge.

5. Investigation by the credit card issuer: The credit card issuer will initiate an investigation into the disputed charge. They may temporarily remove the disputed amount from your credit card balance while the investigation is ongoing.

6. Resolution of the dispute: The credit card issuer will communicate the outcome of their investigation to you. If the dispute is found in your favor, the disputed amount will be permanently removed from your credit card balance. If the dispute is not resolved in your favor, you may have the option to escalate the matter further.

It's important to initiate the dispute process as soon as possible after identifying an unauthorized or incorrect charge on your credit card. Be proactive in providing all necessary information and cooperating with the credit card issuer's investigation.