Credit Card refund initiation

With most complicated terms and standard conditions applicable on all credit cards, I had issue with both of my credit cards, which I normally use for my transactions. Let us see how these credit card companies have complicated terms and conditions associated with it and how they customize terms as per customer needs. Issue with first credit card: I have been using this credit card for more than 5+ years and when every time I try to avoid some charges, I end up paying more charges than I anticipate. This was happening for almost every year and each time when I try to overcome it, I end up with another new financial burden. After long thought recently, I decided to keep track of each and every transaction happening in the card and decided either to close the credit card or raise escalation against the credit card companies. After keeping tab for each transaction in every month, I was able to avoid debit interest for a long time and it backfired at time for one time, where I had paid the months’ minimum transactions in two separate transactions and still been levied with debit interest. Now I decided to create new refund initiation request from the credit card companies and continue reading this experience at one of the “G R Team Sites”