Common card mistakes, credit score effects, fraud liability, cash withdrawals, closing a card and complaining to the RBI Ombudsman.
This section covers what goes wrong and how to fix it. The pillar guide on credit card mistakes lists the costly errors cardholders in India make and points to the official sources for each.
Read how a credit card affects your CIBIL and other credit scores before you apply for a second card or close an old one, and the guide to cash withdrawals on a credit card before you use a card at an ATM.
If money leaves your card without your consent, the fraud and zero liability guide explains why reporting within three working days matters. The closing a credit card guide covers the seven-working-day rule and the ₹500-a-day penalty, and the complaints guide shows the route from the card issuer to the Reserve Bank – Integrated Ombudsman Scheme, 2026.
These pages are general information, not legal advice. For large disputes or suspected identity theft, also consider the police, the National Cyber Crime Reporting Portal and, where needed, a lawyer.
Mistakes, Fraud and Complaints
Closing a credit card in India in 2026 — RBI rule to close within seven working days or pay ₹500 a day, reward points, credit balance refund, auto-debits, inactive cards and CIBIL reporting.
Mistakes, Fraud and Complaints
What withdrawing cash on an Indian credit card costs — cash advance fee, interest from the withdrawal date, 18% GST, cash limit, rewards and credit score effects — with a rupee example.
Mistakes, Fraud and Complaints
How Indian credit cards affect CIBIL and other credit scores in 2026 — payment history, utilisation, hard enquiries, closing old cards, reporting dates, the free annual report and disputes.
Mistakes, Fraud and Complaints
How to complain about a credit card in India in 2026 — issuer grievance route, billing disputes in 30 days, chargebacks, and the Reserve Bank – Integrated Ombudsman Scheme, 2026 on cms.rbi.org.in.
Mistakes, Fraud and Complaints
What to do after an unauthorised credit card transaction in India, the RBI customer liability rules (zero, limited and policy-based), the 10-day shadow credit, disputes and helpline 1930.
Mistakes, Fraud and Complaints
The most expensive credit card mistakes in India — revolving for rewards, minimum-due payments, cash advances, DCC, missed waivers, fraud delays — with rupee examples and official sources.
