Here ' s some real experience with my card which was swiped 1 . Hotlist . Done within a call . 2 . Sent a letter to home branch with details of the incident . Home branch accepted and helped with details . 3 . Sent a letter to the Police station with details . They called me and i gave all proofs . 4 . My money was returned . 5 . Police caught the person . When you lose electronic cash , it is returned electronically btw in case you did not know . You just assumed the cop wants a bribe for your emoney . LOLOh and this was in Bank of India . A sarkari bank which most randians assume to be bad simply because it is sarkari . All this in a span of 45 days . Because you know , things take time . You assumed the worst and you assumed that every step is a dreadful nightmare . Its not . Its just your paranoia .