Does closing visa credit card for a Rupay credit card a bad idea?

Rupay is garbage

There is no relation between card network and upgrade offers.

Your account is currently not eligible simple.

RuPay is just a card network like Visa/mastercard.

Card network dnt have any control on banking system.

@HaathiMeraSaathi

• Most small merchants & definitely big merchants, govt services have stopped rupay cc over upi. So rupay is not upi anymore.
• Rupay's charge back system is based on denial, they will just refuse or say the transaction is not eligible. Again rupay is not cc as it lacks protection.
• Even within same bank rupay customer service is 3rd class.

Rupay is amost dead

He @lXl is spreading wrong info or maybe he dnt know anything.

RuPay chargeback system is better than Visa/mastercard and resolved within 30 days compare with visa/mastercard, which take upto 90 days.

First of all, RuPay dnt directly accept chargeback from customer.

You need to contact your bank.

First chargeback apply from banks. There is high chance, bank will denied your chargeback after few days.

Now here most people assume, this is the end.

But no, This is not the end this is the beginning.

Now you can file your chargeback from card network.

Bank have a special division to handle this chargeback process.

Contact them, normal customer care dnt know anything. Ya they will give you silly excuses like transaction is not eligible for online, PIN was entered for offline, self made transaction etc because they are normal customer care team.

Tell them to transfer your call to chargeback department.

Bank and card network will also send you proper document via email and the reason why they denied your chargeback.

If card network still denied your request then you can again apply for chargeback, this is called "chargeback Arbitration".

Note - Only 2% of disputes make it to arbitration. 98% disputes solve before Arbitration.

Just a side note: Recently, some people have been going to local shops to buy fruits and vegetables with RuPay credit cards, and then applying for chargebacks claiming that the fruits were spoiled.

Seriously dude, if you apply for a chargeback for such trivial things, there's a high chance it will be denied because these are local poor roadside shops.

Some people are doing this intentionally to show that the RuPay chargeback system is flawed compared to Visa. But these are shops that don't even accept Visa credit cards.

How do I know that?

For the last few months, some people have been complaining on a large scale that RuPay doesn't process chargebacks. I silenced them all by saying that chargebacks also available on RuPay

Then those people started showing proof on a large scale that Visa cards have these reason codes, which RuPay does not have. With Visa cards, you can still claim chargebacks for spoiled fruits, damaged products, or non-delivery.

Then I showing them that RuPay also has the same chargeback reason codes, which they were unaware of until now.

Now these people are saying, even after providing the reason codes, the chargebacks are still not being accepted.

The interesting thing is that these people joined all the online forums just 6-8 months ago and are progressing step by step, and every time, the names of the individuals change. As soon as I solve one of their questions, they move on to the next step.

@stoptomove

Credit card is garbage .