512 views Credit Card Complaint Kaise Karein – Step-by-Step Guide & Fast Resolution

ByZentoRank Solutions

Issues with your credit card—like fraudulent transactions, extra charges, card blocking, or poor customer service—can be frustrating. But you don’t have to wait or worry. Here’s a step-by-step guide to making a credit card complaint in India and getting a fast response.

1. Prepare to Report the Issue

Before you contact your bank, gather these details:

  • Credit card number
  • Registered mobile number
  • A clear description of the issue (what happened, when, and how much was involved)
  • Evidence (transaction receipts, screenshots, SMS/email alerts, statement copies)
  • Identity proof (PAN, Aadhaar, passport, etc.)

Having everything ready will speed up the complaint process.

2. Ways to File a Credit Card Complaint

You can report your issue through several official channels:

A. Net Banking or Mobile App

  • Log in to your bank’s net banking or mobile app.
  • Go to the Help, Complaints, or Grievances section.
  • Submit a new complaint—explain your issue and upload supporting documents.
  • Save the complaint reference number to track your status.

B. Customer Care Helpline

  • Call the official customer care number listed on your card or the bank’s website.
  • Select the complaint/grievance option in the IVR menu.
  • Speak to a representative and describe your issue clearly.
  • Note down the complaint/ticket number for future reference.

C. Email

  • Send an email to the bank’s official support address (e.g., customercare@sbicard.com, grievance.redressal@icicibank.com).
  • Use a clear subject line like “Complaint Regarding Unauthorized Transaction – [Card Number]”.
  • Explain your issue in detail—include dates, amounts, and contact info.
  • Attach proof (statement, screenshot, alert message).
  • Wait for a reply—usually within 1–2 working days.

D. Social Media

  • Many banks respond to complaints on Twitter (X), Facebook, or Instagram.
  • Never share private details on social media—just tag your bank and briefly describe your issue.
  • A bank representative may contact you privately for resolution.

3. Sample Email Draft for a Credit Card Complaint

Subject: Complaint Regarding Unauthorized Transaction – [Card Number]

Dear Customer Care,

My name is [Your Name]. I am a credit card holder (card number: [Card Number]).
On [Date], I noticed a transaction of ₹[Amount] on my statement that I did not authorize. I did not receive any SMS or alert for this transaction.
Kindly investigate and reverse this transaction from my account at the earliest.
Please provide me with a complaint/reference number so that I can follow up.
For any further details, I am available at [Mobile Number] and [Email ID].

Thank you for your prompt attention to this matter.

Sincerely,
[Your Name]

4. After Filing the Complaint

  • Keep your reference/ticket number safe—use it to check your complaint status.
  • Follow up if you do not get a response within 3–5 days.
  • If the issue is not resolved, escalate your complaint to the bank’s grievance redressal officer.
  • If the bank does not resolve your complaint within 30 days, you can approach the Banking Ombudsman (Reserve Bank of India) via their online grievance portal.

5. Common Credit Card Complaints

Issue TypeHow to Complain
Fraudulent TransactionCall helpline immediately, block card, email, submit complaint
Extra/Wrong ChargesCheck statement, clarify with bank via email/helpline
Missing Reward PointsCheck reward statement, email bank with proof
Card Block/UnblockCall helpline, use app/net banking
Poor Customer ServiceEscalate to grievance redressal officer

6. Tips for Faster Resolution

  • Report the issue as soon as possible—do not delay.
  • Keep all documents and proof ready—statements, alerts, screenshots.
  • Write a clear, detailed complaint—include dates, amounts, and your contact info.
  • Follow up regularly—check the status of your complaint.
  • Note the reference number—use it for all future communication.

7. Summary

  • Act quickly if you notice any issue.
  • Use official channels—app, net banking, helpline, email, social media.
  • Keep your reference number—it helps you track the complaint.
  • Follow up if you don’t get a response.
  • Escalate to higher authorities if the bank does not resolve your complaint.

Note: Each bank’s process may vary slightly, but these steps work for most major banks in India. Whenever you face a credit card issue, report it immediately, keep all proof, and follow up until it is resolved. This is the best way to protect your money and credit score.

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