I hold Kotak PVR credit card on 21st Oct I received couple of SMS’es very early in the morning around 3:30 AM that card is used to make payment of Rs 123.43, Rs. 61.71, Rs. 10699.96 and Rs 184.52 at ECHST.NET, PAYPAL, LISA 33 etc. I was surprised as I haven’t shared my credit card credentials with anyone and I mostly only do internet transactions on IRCTC only.
I immediately called call centre and got credit card blocked. I also filed dispute form the very same day.
Kotak call centre guys now don’t confirm the receipt of the dispute form yet, neither they comment on the progress of this investigation, they say they’ll take 45 days to investigate the matter.
Obviously due I don’t trust Kotak bank, even if they find this was fraud they might collect money from me.
I need advice is there a way which will save me from the loss of approx 12k amount I dint spent without affecting cibil score?