best experience is when you don't have to use the card at all 
samsung pay zindabad. and now Google Pay with some cards lol.
samsung pay zindabad. and now Google Pay with some cards lol.
-
Amazon Deals - ToS - Like us?
OneCard - OneCard Lite
- Thread starter NikhilS
- Start date
- Replies 613
- Views 56,090
I've raised disputes and won chargebacks. Some merchants take customers for granted.
Citi called me a year ago and replaced my card for free following a data breach. While HDFC didn't do anything, and my friend received a fraudulent transaction from somebody in Romani at Booking.com. HDFC was too slow to do anything even when he called them right away.
I remember there was a subscription that Sushubh put on my PayPal account a few years ago, and I didn't recognise it. I was going to dispute it, but thought about asking him first. I would have lost the chargeback for sure.
Citi called me a year ago and replaced my card for free following a data breach. While HDFC didn't do anything, and my friend received a fraudulent transaction from somebody in Romani at Booking.com. HDFC was too slow to do anything even when he called them right away.
I remember there was a subscription that Sushubh put on my PayPal account a few years ago, and I didn't recognise it. I was going to dispute it, but thought about asking him first. I would have lost the chargeback for sure.
Last edited:
I abhor Samsung phones, so not an option for me tbh.
Google Pay is still limited. I hope they cover more than Axis and SBI at some point. Currently I have neither.
Google Pay is still limited. I hope they cover more than Axis and SBI at some point. Currently I have neither.
Did he have any fraudulent cover in his card ? If it was a basic card, then he must be fucked.
That's the reason I prefer using AMEX or other premium cards when traveling internationally. All of them offer decent fraud cover, and once you've reported breach/theft/loss even via IVR, you're off the hook.
I remember mistakingly filing a chargeback for a charge I didn't recognise, and it turned out to be an infibeam (RIP) order i had placed months ago, which got charged and shipped at a much later date. HDFC just returned my money without any hassles even though it was my fault. Chargeback couldn't be cancelled. This was back in 2012-2013 I think.
I received an email that they need to verify my communication address, because their system felt that the two (residential and communication) are different. And they want me to fill a letter confirming the communication address and provide an address proof.
I reverted over email that both the addresses are same and sent them an address proof. And my email opened a ticket. Lol
17446
I'm assuming they provide support via email only or primarily.
@alekhkhanna
I use Citi for international transactions. The best experience so far.
Good luck buddy, you’re gonna be in loop for 5 days.
I'm not bothered at all. But for the thread's saks. I'll keep you guys updated about what's to follow.
@alekhkhanna It took HDFC more than a month to settle the dispute in his favour. What more should I say?
@alekhkhanna It took HDFC more than a month to settle the dispute in his favour. What more should I say?
You don't need a fraud protection for a card. It's covered under VISA/ MasterCard rules. Banks may provide an extra layer of tnc but the basic structure is that of Visa/ MasterCard. I won a chargeback for an SBI debit card for a foolish Agoda.com (booking.com subsidiary) last year. The reversal showed up 45 days later as bulk posting from Agoda, though I had raised the dispute with SBI. But if you share OTP for any transaction, Visa/ MasterCard won't cover you as OTP is a digital signature.
