Indian Overseas Bank — I made payment worth rs 950 something balance deducted payment declined

Address:	New Delhi, Delhi, 110015
Website:	None actually its regarding iob bank refund policy and online payments and there customer care sucks

I used my credit card in one of known shopping centre payment decline money deducted they assured me i vl get my money back within hours but since 24hours no sign of getting my cash back and this is not all this is happening with me thrice in month. I dint got my neft money, i dint got my refund back, im not getting my deducted amount back. Im just fed up. I don't know to do shall i cut my card into pieces because i think its worthless. If i call customer care eit take one hour or so i give my time to contact them they are celebrities if they want to talk they will pick call else my call is on hold for half an hour or so. Its been 15days i dint got my refund, its been 24hours i dint got my deducted amount, its been 3 days i didnt got my neft amount i want to take matter to higher authorities.