Last updated: 17 August 2026
What is a Dispute?
When you believe a charge is wrong (fraud, duplicate, service not received) — you complain to the bank. Chargeback wo process hai jisme bank paisa wapas le leta hai.
When Can You Dispute?
- Fraud/unauthorized transaction | Duplicate charge | Product/service not received | Wrong amount | No refund after a return
How to Raise (India)
- Bank app/net banking → card → "Dispute" / "Raise Complaint" → select the transaction + reason + proof. RBI rules: the bank must resolve within 60 days (90 for fraud). Unresolved → escalate to the RBI Ombudsman
Track Disputes
Convert the statement to Excel and build a disputed-transactions tracker — status, date and amount, all in one place.
Convert your statement — free!
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Frequently Asked Questions
Q: How do I dispute a credit card charge?
A: Via the Dispute Transaction option in the app or net banking, or by calling customer care. Proof attach do.
Q: How long does a chargeback take?
A: India me 60-90 din max (RBI rule). USA me 30-90 din. A temporary credit is issued immediately.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.