Dealing with Double Auto Debit on SBI Credit Card
If you've faced the issue of being charged twice on your SBI Credit Card, follow these detailed steps to address and resolve the matter, while ensuring the extra amount is credited back to your account.
Verify Your Transaction History
The first step is to thoroughly check your transaction history on the SBI Card app or website. This will help you confirm whether the payment was indeed debited twice. Ensure you also look at the dates and amounts of each transaction to provide accurate information to customer support.
Contact SBI Card Customer Support
Reach out to SBI Card customer service using their helpline number, which is typically found on the back of your card or on their official website. Explain the situation clearly, providing all necessary details such as the dates and amounts of the transactions.
Initiate a Dispute
If the SBI customer service representative confirms that the payment was indeed made twice, ask them to initiate a dispute for the extra amount. They may guide you through the process and provide you with a reference number for tracking.
Follow Up and Keep Records
Once you've initiated the process, keep a record of all your communications. Follow up within the timeframe provided by the bank to ensure that the issue is resolved. Maintaining accurate records can help expedite the process and ensure that your case is handled promptly.
Consider a Written Complaint
If the issue is not resolved quickly, consider sending a formal written complaint to SBI Cards customer service or through their official website. This step should be taken when you feel that regular communications are not addressing the issue effectively.
Check for Refund Timeline
Ask for the expected timeline for the refund process, as this can vary. Understanding the timeline can help you manage your finances more effectively.
Monitor Your Account
Continue to monitor your account closely to ensure that the refund is processed and that your balance reflects the adjustment. This can help you avoid any further confusion or issues.
Escalate if Necessary
If you are not satisfied with the resolution, escalate the issue to the Banking Ombudsman or relevant consumer protection forums. These bodies can provide additional support and ensure that your rights are protected.
Alternative Resolution Options
Request for Reversal
Reach out to the SBI Card customer care via SMS, Twitter, Facebook, or their official customer care number (9342-396/399) and request them to initiate a reversal on one of the payments. If the second payment was not necessary, you can disregard it and wait for your credit to reflect on your upcoming bills.
Understand the Refund Mechanism
If the refund is not possible, know that the excess amount paid will be adjusted in your upcoming bills. For example, if your bill is 1 lakh and you paid 2 lakhs, you can use this extra amount for your next bill session without having to pay the bill. Any further transactions in the next bill cycle will first use this excess amount before you need to pay anything.
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