Money & banking › Credit card problem
Card company charged annual fees they promised were free
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What is the problem? Fees, interest or charges I don't agree with
Papers to gather
- Card statements for the months involved
Shows exactly what was billed. Where: Issuer app or email. - Most Important Terms and Conditions (MITC) and fee schedule
Charges not disclosed may not be payable. Where: Issuer website, welcome kit.
You may also need, depending on your answers
- Issuer's reply or proof of no reply — Needed for an RBI Ombudsman complaint.
What the law says
RBI's credit card directions set rules on billing, closure, charges and recovery. For card fraud from 1 Jan 2027, the bank must give a temporary ("shadow") reversal within 5 calendar days of your complaint, and you bear nothing for third-party fraud reported within 5 calendar days.
General information, not legal advice.
Saboot will also ask
- Have you reported it to the card issuer in writing?
Similar situations
- Card closed and paid off but still getting bills
- Got a credit card I never applied for
- Paid by card, merchant did not deliver — want chargeback
- Card used for transactions I didn’t make
- Card recovery agents harassing me
- Late fee and interest piled up on a small amount
Sources
- RBI press release, 24 Jun 2026: Amendment Directions on limiting customer liability in digital transactions (effective 1 Jan 2027)
- RBI complaint portal (Integrated Ombudsman Scheme)
The full guide: Credit card problem — wrong charges, closure, billing or fraud · All situations