Contact CC.. they will take request for reversal and based on your card usage and age.. they will approve or reject..
https://ddime.i...n8
Recently RBI ask to include refund as payment.. but still they applied 2500+ gst..
And declined my reversal request as well..
But previously they approved half of it
Always pay minimum due to be on safer side to fight with them. Later you can receive excess fund from card to bank 
As per RBI guidelines, it is mandatory to consider refunds as payments now. Raise the issue and get it reversed. If they don't agree even till highest level, contact RBI Ombudsman.
Knight11 wrote:As per RBI guidelines, it is mandatory to consider refunds as payments now. Raise the issue and get it reversed. If they don't agree even till highest level, contact RBI Ombudsman.
This nov 15 communication from icici bank. it clearly states pay minimum balance as refund won't be considered as payment.Â
Many bank insist on paying minimum amount due in case of refund.Â
I was also facing a similar situation with ICICI bank, I told them about RBI guidelines, but they said they are working on it, but haven't applied yet. They asked me to pay the full bill amount first, and then ask cc to refund excess due to source.Â
Update: I had complained them on twitter and received a call today. They have escalated the issue and told me to wait 5 days. I had already paid the min due before due date but still they levied finance charge of Rs 1211 including GST.
Same happened to me 2 years ago in SBI and I call the customer care after a big fight they reverse the financial charge. After the big fight they didn't increase my credit limit.Always pay full amount in case of SBI
Surely we need to make a full payment otherwise SBI charge everything including late fee and financial charges
Can someone suggest what i missed here,
last month i got some Fin charges of 2300rs approx and as confirmed here and from Customer support that charges can't be reversed for less than 6 month old card, i paid entire amount (visible total dues in statement a day before)
but in this month i again got fin charges of rs 83.
not sure what i missedÂ
bill amount was 4007 something i paid 4008 1 day before due date , still got charges.
(As per statement page i cal clearly see that Purchases was 4006.60 Payment 4008)
simply we can pay minimum balance. It is better than taking stress and fighting and loosing sleep. 
![[MRP Error] AmazonBasics Glove with Protective Padding for Cycling, Riding, Camping and Gym, Set of 2, M](https://cdn0.desidime.com/topics/photos/1553760/medium/Screenshot_20230322_145624_Chrome.jpg?1679477192)
As per RBI guidelines, it is mandatory to consider refunds as payments now. Raise the issue and get it reversed. If they don't agree even till highest level, contact RBI Ombudsman.
Contact CC.. they will take request for reversal and based on your card usage and age.. they will approve or reject..
https://ddime.i...n8
Recently RBI ask to include refund as payment.. but still they applied 2500+ gst..
And declined my reversal request as well..
But previously they approved half of it