RBI rules are clear: claims must be settled within 15 days, or banks pay penalties. So why is it still such a battle at the branch? Is it just untrained staff, or are banks intentionally making it hard to keep funds? How do I get through the red tape?

I have an AU Ixigo credit card, but it's not suitable for my international trips. However, it's not possible to switch, and cancelling the card leads to a permanent ban from AU Bank credit cards. What are my options now?