In the month of May 2014, there was an Unauthorized Transaction on my HDFC Bank Credit Card that happened in New York, USA while the card and myself are present in India. It was not an online transaction as my card is secured by Verified by Visa / MasterCard Secure Code. I raised a complaint with the HDFC Banks Card Division filling out their Dispute form and the bank duly refunded the disputed charge but not without several correspondences including to the one with ombudsman.
I duly blocked the card and asked for new plastic. To my surprise, I found that another transaction has happened at the same merchant within 3 days of receiving the new card. This is just impossible as I have not used the card online so chances of breach happening from my