Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Disputed transactions on credit cards issued by Citibank are addressed by the bank on the basis of certain policies which cater to the liability of the customer in regard to the fraudulent transactions. In the case of unauthorised usage of the cards, the bank offers ‘Zero Liability’ to the cardholders. However, it is subject to certain terms and conditions.
Secured transactions are the ones that are authorised using confidential information such as PIN and/or OTP. Unsecured transactions, on the other hand, are the ones that are not authorised through secured credentials such as PIN and/or OTP.
The customer liability in case of disputed or fraudulent credit card transactions has been listed in the table below:
| Time taken to report the fraud or disputed transaction | Liability of the customer (in Rs.) |
|---|---|
| Within 6 days | Zero Liability |
| Within 7 to 10 days |
|
| More than 10 days | Full Liability |
You can use one of the following methods to report a Citibank Credit Card transaction dispute:
Citibank Online:
You can follow the steps mentioned below to report a disputed transaction through the online portal of the bank:
Email:
Follow the steps mentioned below to write an email to the bank and raise a dispute:
Contact CitiPhone:
You can also get help over the telephone by contacting the Citibank credit card customer care on the following numbers:
Once you raise a dispute and the same is accepted by the bank, a provisional credit will be provided against the disputed amount on the basis of the type of the transaction. However, if the dispute is not accepted by the bank, you will be required to make the payment for the same on or before the due date as per the statement of the credit card.
In general, a maximum period of 90 days will be taken to resolve a dispute in regard to a credit card transaction. This period is subject to the guidelines of Visa and MasterCard.
Yes, Citibank offer ‘Zero Liability’ to its credit cardholders.
Yes, you can report a disputed Citibank credit card transaction online.
Yes, you can report a disputed Citibank credit card transaction via email.
In order to report a fraudulent Citibank credit card transaction, you must contact 1800 267 2425/1860 210/2484.
Citibank may take up to 90 days to resolve a dispute.
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