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

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Comrade
stoptomove
I am having Rupay credit card. After some time I contacted bank for an upgrade. Strange to know that bank says there is no upgrade for my Rupay card. It is easy to get upgrade offers on visa and master card.

Does Rupay cards are not eligible for upgrade?

Can anyone share if they were able to upgrade not convert a Rupay card?
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Deal Newbie Deal Newbie
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Rupay is garbage

Finance Ninja Finance Ninja
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@stoptomove He @lXl is spreading wrong info or 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
Comrade Comrade
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@abhishek012

First time i feel disconnected with your post. You are accepting that complaints are increasing on rupay for chargeback on a large scale, but at the same time you are passing it to:

  • People going to local fruit shops and doing this intentionally.

  • You also have reports about most of user accounts created within 6-8 months.

  • You also have data that 98% disputes solve before Arbitration

  • You are also accepting that normal customer care is doing just as @lXl posted.

  • You are blaming people doing intentionally to compare it with visa
    Please forgive m but your arguments itself is a proof what @lXl posted 

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Deal Newbie Deal Newbie
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Rupay is garbage

Comrade Comrade
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Present scenario you are right
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Finance Ninja Finance Ninja
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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

Comrade Comrade
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Can you please check if any one is able to upgrade rupay credit card?
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Deal Cadet Deal Cadet
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  • 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


Comrade Comrade
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Great details. Can you tell bit more about "rupay is not cc as it lacks protectio"
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Finance Ninja Finance Ninja
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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

Deal Cadet Deal Cadet
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1st of all please lets not deviate from topic as "How do I know that? " & "Just a side note" are not relevant to this post by OP


Like I mentioned earlier, again Ru-pay is good only on paper but in reality enforcement is NIL.

Forget Charge-back Arbitration, Ru-pay along with issuing banks have knowing-fully made it impossible for complaint validation at first place. So the grievance mechanism tools to file charge-back for Ru-pay are only good in theory


Even roadside cows know that after first presentment customer must first contact issuing banks which handle charge-back & that why used "they"

Sorry but talk is cheap, if you can really walk the talk then, How about @abhishek012 share the official link to file charge-back ONLINE directly with network  i.e Ru-pay

@stoptomove

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Deal Subedar Deal Subedar
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Credit card is garbage .

Comrade Comrade
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All? scream

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