Surat: An official of the RBL bank in the city has approached the cybercrime police with a complaint of cheating of Rs 1.18 crore against three credit card (CC) holders.According to the complaint, accused Nikul Patel, Asmita Kachhadiya and Mitul Katrodiya have RBL credit cards with Rs 40,000 credit limit each. But they got their limits increased through international transactions and withdrew the money from the increased limit. After withdrawing the money, the trio, however, got the international transactions declined which resulted in loss to the bank. The cybercrime police filed a complaint of cheating under IPC and IT Act. In his FIR, RBL credit card collection managar Sushil Raval stated that Nikul Patel, a resident of Parvat village, was issued a card with Rs 40,000 limit on August 2, 2022. He was regular in payments until past few months, when his card got Rs 5.79 lakh credit entry from Royal Dental Merchant on August 12, 2023. The card was also subsequently credited with Rs 20.08 lakh and Rs 20.67 lakh on August 13 and 14, respectively. Patels card now had a total of Rs 48.55 lakh credit from international transactions. Following international credit, RBL bank automatically increases the credit limit on a card and thus, gave the credit of transferred amount to Patels card. Patel withdrew Rs 48.54 lakh from this amount by using his card on POS and Ecom transactions. However, after he withdrew the amount, the international transaction did not get cleared and got declined. As a result, the RBL bank also did not get the money in its account.In the second such case, Asmita Kachhadiya too held an RBL bank credit card with Rs 40,000 limit since October 13, 2021. Like Patel, the Yogi Chowk resident too got two credit entries of Rs 42.51 lakh on August 13 and 14, 2023, in her card from Royal Dental Merchant. She withdrew Rs 22.82 lakh from POS and Ecom transaction on August 14 and 15. However, the international transaction of credit by Royal Dental Merchant was reversed later.In the third case, Mitul Katrodiya, a resident of Ambrama road, who held an RBL credit card since January 29, 2023, received Rs 2.94 crore international credit transactions from Royal Dental Merchant on his card, during August 13 to 15. The bank cleared Rs 46.81 lakh and credited in Katrodiyas card. Of this amount, Katrodiya withdrew Rs 46.73 lakh via POS and Ecom transactions. In a similar manner, the international transaction got reversed after the withdrawal and the bank did not get the money cleared in their account. During investigation, we have come to know that Royal Dental Merchant gave credit from United States as part of international credit transaction. All three accused have given their cards to someone else to get some commission, Surat cybercrime police inspector G M Hadiya told TOI.RBL bank has a facility of automatically giving credit to card once such international credit transaction takes place. Such transactions take around seven days to clear, and the merchant from abroad would either reverse the transaction or not clear it. This resulted in the bank not getting the amount they gave as credit to the card holder. We are searching for the people who are involved in this scam. We will investigate the people who allowed the POS and Ecom transactions to these accused and also check if more credit card holders have become victims of such scams, Hadiya added.

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