Have you ever been able to successfully reject (dispute) a transaction on your Indian credit card on the grounds that you did not authorize it? (results in a charge back to the merchant).
How do you go about it? I guess this is now not possible for Internet transactions that use a password in addition to CVV (Verified by Visa or SecureCode). What about in case of swipe transactions or phone transactions where you verbally provide your card number and CVV to the call center person?