Credit Card Blues

What a day! Thank heavens I keep on top of our finances because I discovered one of our credit cards (our main card, a Chase Visa) had been “compromised.” There were two charges I knew we hadn’t made: a $513.80 charge for Virgin Airlines and the other was Coconut Grove Sports Bar in Sacramento, CA, for $1,025!!
null
Having a credit card compromised had also happened to us a couple years ago. That time it was John’s card. We assumed the stealing of the information on his card occurred at a restaurant or other place where his card was “out of our sight” because his card has never been used “on line.” That time Chase Visa caught the problem before we were aware. Since his card is only used for gas, groceries and restaurant purchases, we would have been ok with our “reoccuring charges” (which are on my card), but unfortunately the customer service guy accidentally deleted my card as well as John’s so I had to go through the chore of setting up all of our accounts for on-going payments.

Wisely I had kept a list of the businesses I needed to contact: Tampa Electric, Brighthouse (our TV supplier in Florida), Cloverland Electric (in the U.P.), the Saginaw News, Wall Street Journal, Tampa Tribune, Verizon, Bluehost (my internet hosting company), Paypal and more… lots more. Some would be easy with on-line revisions, but others world require phone calls. I knew I had a huge job ahead of me. The replacement Chase Visa card is scheduled to arrive Monday, but that still meant several days when scheduled payments might come in and I was anxious to get started and hated to waste time.

After considering different options, I decided that it would be best if I could put all of our automatic (reoccurring) charges on a card of their own, used only for that purpose. It would be a card that wouldn’t be carried with us nor used for any other type of transactions. If I “took out” a new card, I wouldn’t have it for a week or two. And then I remembered a Chase Freedom card that we had received but hadn’t activated. It was ready with a quick phone call so I could begin my tedious chore.

I worked for hours setting everything up. I used phone calls and the internet and finished after 4:00 (more than six hours of steady work). The actual plastic card was filed away and marked so we won’t use it for purchases.

If one of our cards is hijacked again, hopefully I won’t have to go through the hassle of setting up and changing dozens of accounts as I did today.

Interesting thing: Neither fraudulent charge (for $1,025 and $513.80) was “swiped.” The larger one was a “sports bar.” Maybe it was an employee. How else would a non-swiped card for that much be accepted?

Comments are closed.

Click here to go to the Skaryd's Biography and a link for emailing.