Abolish card tarnsaction charges for failed transactions

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Recently, I tried to book tickets at IRCTC website using credit cards (with SBI and  ICICI cards). Transactions failed thrice and no ticket was booked. However, the money was deducted from credit card along with 1.8% transaction charges. Since, these were failed transactions, IRCTC returned the money the same day. However, credit card companies are unwilling to return the transaction charges siting RBI rules. Thus, I was charged for no service. I am sure it happens to many people. I request to stop this practice.

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