Credit Cards & Debit Cards

Credit and debit card problems can look similar, but the solution depends on what actually happened. A lost card, an unauthorised transaction, a failed payment, a delayed refund and a credit-card billing problem each need a different approach. Choose the situation that best matches your problem.

Need urgent card help?

If your card is lost, stolen or compromised, or you see a transaction you did not make, act without delay.

Start with the relevant guide below.

What Do You Need Help With?

Start with the problem you are facing. Detailed BankBodh guides will take you through the relevant steps, customer rights and complaint route.

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Card Lost, Stolen or Compromised

What to do immediately if your card is missing, stolen or you believe the card details may have been exposed. Blocking the card, checking recent transactions, reporting misuse and keeping proof of reporting.

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Unauthorised Card Transactions

A card transaction you did not make? Understand how quickly to report it, when zero or limited customer liability may apply, and what happens after the transaction is reported.

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Card Payment Failed / Money Debited

The merchant says the payment failed but your account or card was debited. Understand auto-reversal timelines, delayed reversal, compensation and why you should check before paying again.

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Refund Not Received

Merchant says the refund has been processed but you cannot see it? Understand the difference between a failed-payment reversal and a merchant refund, including how refunds are handled on credit cards.

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Credit Card Bill, Interest & Charges

Understand Total Amount Due, Minimum Amount Due, payment due date, interest and finance charges, late-payment charges and what to do when you disagree with a bill or charge.

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Credit Limit & Over-Limit

Credit limit vs available credit, limit increases and reductions, transaction limits, over-limit usage and the consent requirements that protect cardholders.

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Closing a Credit Card

How to close a credit card properly, deal with outstanding dues, refunds or credit balances, recurring payments and obtain confirmation that the card account has actually been closed.

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Other Credit Card Issues

Quick guidance for smaller credit-card issues that do not need a full standalone guide.

Card blocked or declined What to check before repeatedly trying the transaction.
Card issued without consent What to do if you receive a credit card you never asked for.
Online & international usage Card controls, transaction types and limits.
Activation, replacement & renewal Common issues involving a newly issued or replacement card.
Add-on / supplementary cards Important points for primary and additional cardholders.
Complaint unresolved? How to escalate a card complaint when the issuer does not resolve it.
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Debit Cards

Help with debit-card problems including a card being declined, PIN problems, transaction controls and limits, online and international usage, charges, expiry, replacement and damaged cards — with quick routes to BankBodh’s dedicated guides for lost cards, unauthorised transactions, failed payments and ATM problems.

Looking for ATM or fraud-related help?

Some card problems overlap with other BankBodh guides. Use the dedicated guidance where the problem is primarily an ATM transaction or a suspected scam/fraud.

ATM & Cash →   |   Safe Banking →

Card features, charges and procedures can differ between issuers and card products. BankBodh explains the general regulatory and practical position; check your card issuer’s current terms and official channels for product-specific details.
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