Issue with federal Bank credit card refund

13°
Deal Subedar
nirmaltvd

On 20-12-24 tried to buy a phone with federal Bank credit card.transaction failed but amount deducted.

   Thought any issue with payment, after some time done another same failed amount deducted.

            Tried at evening same failed. Thought it was my Flipkart account problem , 

Tried wife Flipkart account with this card failed .

Tried next morning as phone was necessary SAME FAILED.

          Thought refund will come after 3 to 4 days, meantime I contacted both Flipkart and federal both told me no issues on their side.

   Later bill generated and I have to pay 60000 . Contacted federal they now told me to attach screenshot of Flipkart order page and Flipkart reply. Sent them.

  Now they asked me to give a disput transaction and it will be resolved after 35 day's.

What is this?

A bank like federal have no technology to track the transaction and refund the amount?

I yesterday contacted escalation team,simply copy pasted old reply which says wait 35 days 

What to do guys?

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Deal Cadet Deal Cadet
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You will get the amount Federal is little lazy bank

Deal Subedar Deal Subedar
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Bill date is 8-1-25. If I not paid will my cibil hit?

If paid how to get that refunded amount in credit card transferred to bank?

Deal Cadet Deal Cadet
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yes they will transfer to bank I did it before
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