Agar aapka credit card chori ho gaya hai ya unauthorized transaction hua hai, toh panic mat karo! RBI ke naye rules ke hisaab se aapki liability zero ho sakti hai agar aap sahi time par complain karo.
Reporting ka sahi time kya hai?
RBI ke guidelines ke mutabik, agar aapko koi suspicious transaction dikhe aur aapne 3 working days ke andar bank ko inform kar diya, toh aapki liability zero hai. Matlab, ek rupaya bhi aapki jeb se nahi jayega! Isliye, apne mobile par SMS aur Email alerts on rakhna bahut zaroori hai.
Agar report karne mein deri hui toh?
Agar aapne 4 se 7 working days ke beech mein report kiya, toh liability limited hogi.
- Agar card ki limit ₹5 Lakh tak hai, toh aapka risk max ₹10,000 hoga.
- Agar card ki limit isse zyada hai, toh cap ₹25,000 tak ho sakti hai.
7 din ke baad bank apne rules lagayega, jo aapke liye risky ho sakta hai. Isliye deri bilkul na karein.
Negligence ki galti mat karna!
Ye protection sirf tab tak hai jab tak galti aapki nahi hai. Agar bank ne prove kar diya ki aapne OTP, PIN ya password share kiya tha, toh ye protection khatam ho jayegi.
Complaint ke baad kya hota hai?
Complaint file karne ke 10 working days ke andar bank ko 'Shadow Reversal' dena padta hai (disputed amount wapas credit karna). Bank ke paas investigation ke liye 90 days ka time hota hai. Agar transaction sahi mein unauthorized nikla, toh wo paisa permanently aapka ho jayega.