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Most of us use credit cards to book our flights and hotels online on different travel websites. When you are doing a booking on these websites sometimes your credit card gets charged by the website more than once. In other words if the total amount that was to be paid was Rs 4,000, this amount gets charged twice and you end up paying Rs 8,000. This generally happens due to some technical problems. You will not notice this double charge at the time of booking; and will get to know about it only when you get your credit card statement. What are your options if you see such a charge on your credit card?
Option 1 – Get in touch with the website where you have done the booking and let them know about the double charge. Normally reputed websites will immediately initiate a process of refund and you will get the money credited to your credit card in around 10-15 days. You can confirm the credit by calling up your credit card customer care.

Option 2 – If the travel website does not act as per option 1, you will need to bring this issue to the notice of your credit card company. To do this you will need to ‘raise a dispute’ with them. To do this you will need to fill up the credit cardholder dispute form and send it by physical mail to your credit card company along with the necessary documents.

You can easily find the dispute forms of different banks online. To get the credit cardholder dispute form just search on google with ‘bank name credit cardholder dispute form’. For e.g. ‘icici credit cardholder dispute form’ or ‘hdfc credit cardholder dispute form’. Here are links to ICICI credit cardholder dispute form and HDFC credit cardholder dispute form

The dispute form can be used for not only online transactions but for all other transactions where you are not satisfied with the merchant and want a refund. You can use this form to raise a dispute in the following scenarios

• You believe the transaction is not done by you
• The transaction was done after you had lost your card
• Multiple charges done by the merchant, as described above
• You have returned the goods/ cancelled the transaction, still you are charged
• If you didnot receive the ordered goods
• You were charged more than what was the actual cost.
• If the cash dispensed by the ATM is less than what is deducted from your account