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+{{htmlmetatags>
+metatag-keywords=(credit card dispute, chargeback, credit card complaint, credit card rti)
+metatag-description=(Credit card dispute (unauthorised charge, billing error, fraud). Chargeback within 60 days. RTI to bank for transaction proof.)
+}}
+====== Credit card dispute — chargeback + RTI guide (2026) ======
+{{ :social:auto:banking-credit-card-dispute.png?direct&1200 }}
+<WRAP info>
+**Quick answer:** Credit card disputes: file within 60 days. Bank investigates + files chargeback if applicable. RTI to bank for transaction proof + investigation rationale.
+</WRAP>
+===== Key facts =====
+  * 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
+===== Step-by-step process =====
+  - **Notify bank within 24 hours of fraud** — Block card immediately.
+  - **File written dispute** — With bank within 60 days.
+  - **Bank investigates + responds** — Within 30 days.
+  - **Chargeback raised if applicable** — Network resolves with merchant.
+  - **Final decision** — Within 90 days typically.
+  - **RTI to bank for full transaction trail** — When channels exhausted.
+===== Documents needed =====
+  * Card statement showing dispute
+  * Police FIR (for fraud)
+  * Communication with merchant
+===== Common issues + how to handle =====
+  * 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.
+===== If stuck — file an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of resolution / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
+===== Frequently asked questions =====
+==== Liability for unauthorised use? ====
+Card holder liable until reported. After reporting: bank liable.
+==== Chargeback timeline? ====
+days for response; 90 days for chargeback decision.
+==== Banking Ombudsman complaint? ====
+After bank fails to respond in 30 days.
+==== RTI to private bank? ====
+No — private banks not under RTI. Use BO + court if needed.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Credit card disputes: file within 60 days. Bank investigates + files chargeback if applicable. RTI to bank for transaction proof + investigation rationale. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
+  * **AI RTI Drafter:** [[:citizen-rti-playbook|Auto-fill PIO + your case]]
+  * **More guidance:** [[:audience:msme-entrepreneurs|Schemes for msme entrepreneurs]]
+  * **Browse all banking guides:** [[:banking:start|Index]]
+</WRAP>
+===== Related =====
+  * [[:banking:start|All banking guides]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+//Last reviewed: 26 April 2026.//
+{{tag>banking credit-card-dispute citizen-services rti-fallback}}