How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2040 posts · Page 113 of 170
How-To GuidesDuplicate POS swipe: how to get a double card charge reversed
The terminal "failed", the cashier swiped again, and now your statement shows the same purchase twice. Duplicate swipes are among the simplest disputes to win — the evidence is right there in your statement — but handlin
How-To GuidesSubscription auto-renewals you never agreed to: cancelling and claiming a refund
A charge appears for a service you cancelled, a trial you thought was over, or a renewal whose terms were buried in fine print. Unwanted auto-renewals are one of the most common card disputes in India. The fix has two pa
How-To GuidesE-commerce non-delivery: how to dispute an order that never arrived
You paid online, the delivery date came and went, and the tracking page either froze or says "delivered" to an address that is not yours. When a seller will not refund a non-delivered order, your credit card gives you a
How-To GuidesHotel no-show charges: disputing fees for a stay you never used
Finding a no-show charge on your card statement for a hotel you never walked into is infuriating. Sometimes the charge is legitimate under a stated cancellation policy; often it is not — a cancelled booking the hotel fai
How-To GuidesCancelled flights and chargebacks: your dispute rights under DGCA rules
When an airline cancels your flight, Indian aviation rules give you clear rights — and if the airline drags its feet on the refund, your credit card's chargeback process is the backup. This guide walks through the DGCA r
How-To GuidesFake KYC update links: the "your card is blocked" scare tactic
"Your account KYC is incomplete. Your card will be blocked today. Complete verification here: [link]." This message — in endless variations — is one of the most common fraud SMSes in India. It works because it borrows re
How-To GuidesAccount takeover after a data breach: containing the damage
When a company you use suffers a data breach, the danger is not just what leaked — it is what attackers do next. Stolen email-and-password pairs are fed into automated tools that try them on banking sites, wallets, and s
How-To GuidesBIN attacks: how fraudsters test card numbers and how issuers fight back
The first 6 to 8 digits of your card number — the Bank Identification Number, or BIN — identify the issuer and card network. Fraudsters know this, and in a BIN attack they take a known BIN and generate thousands of candi
How-To GuidesATM and POS skimming: how skimmers work and how to spot them
Skimming is physical fraud: a hidden device copies your card's magnetic-stripe data while you use an ATM or a payment terminal, and a tiny camera or keypad overlay captures your PIN. With both, criminals can clone your c
How-To GuidesJuice jacking: public charging ports and your card data
Juice jacking is the idea that a public USB charging port — at an airport, railway station, or mall — could be tampered with to access your phone's data while it charges. A standard USB cable carries both power and data,
How-To GuidesScreen-sharing scams: the AnyDesk and TeamViewer trap explained
Screen-sharing apps like AnyDesk, TeamViewer, and QuickSupport are legitimate tools — IT teams use them for remote support every day. Scammers have turned them into one of the most effective fraud weapons in India. The t
How-To GuidesQR code scams: when scanning a code can drain your money
QR codes are woven into everyday payments in India — kirana stores, restaurant tables, parking meters. Scammers have noticed. QR fraud almost never involves a technical hack; it exploits one simple misunderstanding about