Overlimit Fee Charged Without Prior Consent
Your credit card has been charged an overlimit fee, but you never consented to transactions above your credit limit, or the overlimit happened only because of interest/charges being added, not your own spending.
⚖️Your Rights Under RBI Regulations
Banks must take explicit consent before allowing transactions beyond the credit limit.
If you did not consent to overlimit facility, the bank cannot charge an overlimit fee.
If the overlimit is caused solely by interest and charges (not your own transactions), no overlimit fee can be charged.
💰 What You Can Recover
Full refund of overlimit fees charged without consent.
⏱ Response Deadline
30 days for written complaint.
📋Step-by-Step — What to Do
Check if you ever signed up for overlimit facility — request documentation from bank.
Write to credit card grievance cell citing RBI/2022-23/128 and specific fee dates.
If bank cannot produce consent documentation, demand full refund.
File with RBI Ombudsman if refused.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman — cms.rbi.org.in
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