The CardBuzz blog
Card-by-card write-ups from our team, features, fees, lounge access and who each card actually suits. For the numbers after every cap and exclusion, head to the card pages.
5189 posts · Page 175 of 433 · View the full archive
How-To GuidesRead Your Credit Card Statement Like a Budget
Your credit card statement is the most honest record of your spending you will ever have. It forgets nothing, rounds nothing, and flatters nothing. Most people glance at the total, pay it, and move on — leaving the riche
How-To GuidesThe 50/30/20 Budget, Rebuilt for Credit Card Users
The 50/30/20 rule is one of the most quoted budgeting frameworks in personal finance: 50% of your take-home income goes to needs, 30% to wants, and 20% to savings and debt repayment. It is simple, and it works — but it w
How-To GuidesTimelines and Follow-Up: Tracking a Card Complaint to Closure
A card complaint is a project, and like any project it dies without a schedule. The issuer's machinery runs on reference numbers and promised dates; the RBI's external system runs on filing windows and scheme timelines;
How-To GuidesGetting Credit-Report Errors Corrected After a Card Dispute
A card dispute does not end at the statement. While you were fighting a wrong charge, the issuer's reporting machinery may have stamped "late payment" or "default" onto your credit record — and that stamp can outlive the
How-To GuidesFraudulent Transactions: The Zero-Liability Window and Reporting Routine
A debit you did not make appears on your card. The next few hours decide how much of it you end up bearing. India has a clear regulatory framework for customer liability in unauthorised electronic transactions — includin
How-To GuidesWhat Compensation a Card Complaint Can Result In
Cardholders often escalate with a vague demand — "compensate me" — and are then disappointed by the outcome. The compensation a card complaint can produce is not open-ended; it follows a defined logic about what was lost
How-To GuidesEvidence That Wins Card Complaints: Documentation That Actually Helps
Card complaints are decided on paper. The nodal officer, the ombudsman, the chargeback analyst — none of them watched your transaction fail, heard the merchant promise a refund, or sat with you on hold for forty minutes.
How-To GuidesNodal and Principal Nodal Officers: Who They Are and How to Use Them
When the call centre has said no and the complaint still stands, the next two rungs of the ladder belong to named people: the nodal officer and the principal nodal officer of your card issuer. These are not call-centre s
How-To GuidesChargeback Rights in India: When Your Bank Can Reverse a Card Transaction
You paid by card, the merchant did not deliver, and the issuer says "talk to the merchant". This is where chargeback enters the picture: it is the card network's dispute mechanism that lets your bank pull a transaction b
How-To GuidesThe RBI Integrated Ombudsman for Credit Cards: Process, Scope, and Outcomes
The RBI Integrated Ombudsman is the external referee for disputes between you and your card issuer — free, independent of the bank, and empowered to issue directions the issuer must follow. It was created by merging the
How-To GuidesFiling a Card Grievance on the RBI Complaint Portal, Step by Step
The RBI's complaint portal is the single front door through which individual grievances against banks and card issuers reach the central bank's redressal system. It is not the same thing as the ombudsman — the portal rec
How-To GuidesThe Card-Complaint Escalation Ladder: From Issuer to Nodal Officer to the RBI
Most cardholders give up one rung too early. A billing error goes unanswered for two months, the call centre repeats the same script, and the complaint dies in frustration. The truth is that India has a formal, legally r