Ahmedabad: A 30-year-old ready-made garment trader has approached Karanj police alleging that three mobile phone shop operators, whom he knew for around a year, misused his family members’ credit cards after promising to help him clear outstanding dues and protect his credit score.According to the complaint filed on Saturday, the trader approached the three accused who ran a credit card-swapping business.The complainant told police that he, his father and mother had several credit cards and had used them for purchases and other expenses. The three allegedly offered to deposit the outstanding amounts into the cards for a three per cent commission.Trusting them, the complainant handed over the cards. Police were told that the accused subsequently carried out multiple transactions between Dec 2025 and May 2026.According to the complaint, Rs 1.96 lakh was credited to two of the complainant’s cards on Dec 26, 2025, before the money was allegedly withdrawn through online portals. On the same day, Rs 2.40 lakh was credited to his father’s credit card and allegedly withdrawn through similar portals.The complainant further alleged that Rs 99,000 each was credited through two transactions to his card on Feb 16, 2026, and the money was subsequently withdrawn. On Feb 20, Rs 2.46 lakh was credited to his father’s card and allegedly withdrawn. Another Rs 71,286 was credited to his mother’s card on May 27 and allegedly withdrawn through a card-swiping machine.The complainant’s allegations involve transactions totalling around Rs 10.52 lakh. However, he came to know of the alleged fraud after Andhra Pradesh Police visited his house on July 10.The police allegedly informed him that Rs 2.40 lakh credited to his father’s card and Rs 1.96 lakh credited to another card were linked to fraud cases. The Andhra Pradesh Police subsequently recovered Rs 4.37 lakh from him under a panchnama.The complainant alleged that the three men had used his cards to route fraud proceeds and withdrew the money themselves, leaving him to face the consequences. He submitted bank statements and documents provided by the Andhra Pradesh Police to Karanj police.Police have registered the complaint and are investigating the alleged misuse of the cards and the transactions.