You · two minutes
Export the statement you already have
Every Indian bank lets you download a statement as PDF or CSV from its app or net-banking page. That is the file we work from. You send it to ChargeGuard the same way you would send it to anyone — from your phone, in a few taps.
Why not an extensionAn extension would have to sit on your banking page to read it. That is far more access than this job needs, and it is the single thing people refused most when we tested the idea. A file you chose to send is the smallest possible ask.
Us
We rewrite every line into plain words
Merchant descriptors arrive truncated, coded and merged, because they are written for the bank's systems rather than for you. We resolve the code to a real trading name where we can, work out whether it recurs, and tell you honestly when we cannot identify something rather than guessing.
What you get backThe merchant behind the code, what it costs, when it started, how often it has run, and whether the same amount has appeared more than once.
Us
We flag what is worth a second look
Forgotten free trials that converted. Subscriptions that renewed quietly. The same charge twice. Prices that went up without a word. Bank fees nobody explained. Each flag comes with the history that makes the case, not just a warning icon.
And the rulesWhere a charge touches an RBI rule — a missed pre-debit notice, a reversal deadline, compensation owed — we say so and cite it.
You · you decide
We draft the dispute. You approve it
The right wording, aimed at the right desk, with the evidence attached. You read it, change anything you want, and send it. Nothing leaves without you tapping approve — a tool that files financial claims on your behalf unread is a tool you should not trust.
We do not promise a refundWhether money comes back is the bank's decision. What we promise is that the case is made properly and does not quietly disappear.
Us · until it's answered
We chase it until someone answers
A dispute that goes quiet is a dispute that dies. We track the deadline from the day it was sent, follow up, and tell you where it stands — by message, or by voice in English, Hindi, Telugu or Kannada if reading a screen is the hard part.
The clock is realRBI sets outer limits for reversal, and compensation beyond them. We count from day zero so you know the date the bank is late.
