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Axis Bank CC - billed amount greater than mentioned on OTP

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WhoU

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I made an electricity bill payment for x rs via my Axis credit card. I got an OTP for x rs and after approving the card was debited by x.

However, after the transaction settlement, the amount became x + 40 rs. I talked to customer care and he said for electricity bill this can happen. I asked to transfer to his manager and he said the claimed amount by merchant was x+40 on settlement hence you were charged additional.

How can this happen? If OTP is for x, they should only debit x, right? How can merchant claim for more? Even if they claim more, shouldn’t Axis reject the claim? As I have only approved for x and not x+40.

I have asked them to raise a complaint, let’s see what happens. 40 is of course not a huge amount, but wondering how this happens and why Axis bank allows this kind of practice. Tomorrow any offline merchant can claim 2x and I will never know until I check my statement.


FYI: There were no additional charges mentioned on the page for credit card and the payment was done before due date.
 
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WhoU said:
I made an electricity bill payment for x rs via my Axis credit card. I got an OTP for x rs and after approving the card was debited by x.

However, after the transaction settlement, the amount became x + 40 rs. I talked to customer care and he said for electricity bill this can happen. I asked to transfer to his manager and he said the claimed amount by merchant was x+40 on settlement hence you were charged additional.

How can this happen? If OTP is for x, they should only debit x, right? How can merchant claim for more? Even if they claim more, shouldn’t Axis reject the claim? As I have only approved for x and not x+40.

I have asked them to raise a complaint, let’s see what happens. 40 is of course not a huge amount, but wondering how this happens and why Axis bank allows this kind of practice. Tomorrow any offline merchant can claim 2x and I will never know until I check my statement.


FYI: There were no additional charges mentioned on the page for credit card and the payment was done before due date.
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I have had this earlier with my citibank card. Though the customer service said that this happens because surcharge gets added later, I argues saying that nowhere do they mention this (except for fuel). But Citi being who they are, reversed the fee. With Axis I have no hope for customer service.
 
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Dear brother, this is not new thing.

I booked a tatkal ticket for someone using Ace card, took screenshot of debited amount from statement on the same day of transaction and sent him. After two days they added PG charges to it. They can debit PG charge even without your permission.

If you are still confused read below 😀😀

I used HDFC card to load Paytm wallet using some trick. Maximum allowed amount was Rs 10k, I loaded about 17k without any additional charges. Paytm found the trick and imposed penalty on my card. Every day Paytm started to deduct Rs 100, even after blocking card, they continue to debit upto 5 days. Later I raised dispute to bank, bank investigated the transaction and told me that Paytm debited charges. Later Bank helped me to get full refund amount 😃
 
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Life_style said:
Dear brother, this is not new thing.

I booked a tatkal ticket for someone using Ace card, took screenshot of debited amount from statement on the same day of transaction and sent him. After two days they added PG charges to it. They can debit PG charge even without your permission.

If you are still confused read below 😀😀

I used HDFC card to load Paytm wallet using some trick. Maximum allowed amount was Rs 10k, I loaded about 17k without any additional charges. Paytm found the trick and imposed penalty on my card. Every day Paytm started to deduct Rs 100, even after blocking card, they continue to debit upto 5 days. Later I raised dispute to bank, bank investigated the transaction and told me that Paytm debited charges. Later Bank helped me to get full refund amount 😃
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Damn this is insane
 
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Life_style said:
Dear brother, this is not new thing.

I booked a tatkal ticket for someone using Ace card, took screenshot of debited amount from statement on the same day of transaction and sent him. After two days they added PG charges to it. They can debit PG charge even without your permission.

If you are still confused read below 😀😀

I used HDFC card to load Paytm wallet using some trick. Maximum allowed amount was Rs 10k, I loaded about 17k without any additional charges. Paytm found the trick and imposed penalty on my card. Every day Paytm started to deduct Rs 100, even after blocking card, they continue to debit upto 5 days. Later I raised dispute to bank, bank investigated the transaction and told me that Paytm debited charges. Later Bank helped me to get full refund amount 😃
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This is the downside of using credit cards 😓
 
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Life_style said:
I was totally peace less during that time. Almost I blocked more than 25 cards to escape from their charge within a month. Every day after 12 AM, I started to block card, next day new card generated and amount deducted. I f I didn't block for a day, they deducted Rs 100 😢

But thanks HDFC to recover the money from Paytm
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How is this possible? This is very strange.
What was that trick that made Paytm so troubled
 
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Predator said:
How is this possible? This is very strange.
What was that trick that made Paytm so troubled
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It happened almost 2.5 years ago. I used to load Paytm wallet and transfer to Paytm business account using HDFC card. I created payment links and used different number for payment, but same card. That time Paytm allowed only 10k for free loading per card. I loaded about 17k using payment links by different Paytm accounts, but same card. 😃

Bank manager told, it may be any standing instruction, I checked and found nothing. Later I understood that Paytm started to charge and bank allowed those charges even after card blocked. After Paytm stopped charging my card, I raised dispute and received all money that I lost. First time I thanked HDFC with respect 😥
 
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