Money & banking › Credit card problem
Paid by card, merchant did not deliver — want chargeback
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? Merchant didn't deliver / refund
Papers to gather
- Card statements for the months involved
Shows exactly what was billed. Where: Issuer app or email. - Order, cancellation and merchant correspondence
Supports a chargeback request. Where: Merchant email/app.
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 company charged annual fees they promised were free
- Card closed and paid off but still getting bills
- Got a credit card I never applied for
- 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