Credit card dispute — chargeback + RTI guide (2026)

• Dispute window: 60 days from statement date
• Bank investigates + files chargeback
• Chargeback decision: 30-90 days
• Compensation if dispute upheld
• RTI to bank for transaction logs + investigation

1. Notify bank within 24 hours of fraud — Block card immediately.
2. File written dispute — With bank within 60 days.
3. Bank investigates + responds — Within 30 days.
4. Chargeback raised if applicable — Network resolves with merchant.
5. Final decision — Within 90 days typically.
6. RTI to bank for full transaction trail — When channels exhausted.

• Card statement showing dispute
• Police FIR (for fraud)
• Communication with merchant

• Bank denies chargeback — RTI for investigation rationale + merchant response.
• Chargeback delayed > 90 days — file Banking Ombudsman.
• Fraud not auto-blocked — RTI for bank fraud-detection criteria.
• Compensation denied — RTI for bank fraud-protection policy.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of resolution / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

Card holder liable until reported. After reporting: bank liable.

30 days for response; 90 days for chargeback decision.

After bank fails to respond in 30 days.

No — private banks not under RTI. Use BO + court if needed.

• All banking guides
• 25 status-check guides
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 32 helplines + grievance routes
• Full RTI Playbook

Last reviewed: 26 April 2026.