Cash flow (or not)

[JLSleather]

Sometime this morning, my card was used at Kroger and at a Home Depot.  In Michigan

Apparently, there were multiple other charges pending, but the card issuer caught it and deactivated the card, so I only need reimbursed for the two charges.  Nice.

They were pretty quick to catch it - even before i did - but just the idea of the thing.  Ties up a bit of money until it's fixed, though, so good thing I had pretty much what I needed already. 

Well, except for tX cust dies, who I guess I'll need to call and tell them not to run that card that isn't valid any more!

 

[Art]

You are not responsible for any fraudulent charges, your bank knows that.

Art

[JLSleather]

Yeah.  They also know that in these things, they deactivate the card.  Meaning I can't use that account until a new card is issued.

 

[Troy I]

I had the same thing happen...someone bought a bunch of stuff from a Home Depot in Kansas and then some stuff from Home Depot on line...they tried to scam a card I don't use except for hunting supplies.  Bank was really good about it when I called them, they closed the account and I had a new card in about a week.

[MADMAX22]

Atleast they are getting better about this. About 8 years ago had my card used in FL for a few gas fill ups (I live in WA). Saw it and called the bank to have them secure the card then went in to fill out a claims form. Funny lady asked me "are you sure it wasn't you charging your card". Asked her how I got to FL and back in less then 4 hrs and had time to fill up a couple of tanks worth of gas. The claims process took about a week total (refund/new card/claim approval). Things have come a ways since then.

[treyman]

I have had it happen 4x in the last 8 months, matter of fact just got the latest replacement card today.  Somewhere local to me has a skimmer set up or something a gas pump I am assuming. The biggest pia is the automatic monthly payments I have attached to cards, usually forget a couple then get a notice your bill is late. 

[billybopp]

A few years ago I bought several hundred dollars of train tickets in Italy, and a bunch of stuff in World of Warcraft.   Too bad I don't even have a passport or play WoW.

[MADMAX22]

Wish they would prosecute/make an effort to follow up on that stuff. Then take a finger for each time.

 

Mmmmm new source of leather for inlays?

[LumpenDoodle2]

About 4 days before Xmas about 6 or so years ago, I was standing at the till of a local supermarket, trolly overflowing with Xmas cheer.   My card was declined, an extremely embarrassing experience in front of a full shop.    Luckily, I had another card on me to pay, or we would have been eating the cat food for the foreseeable future.

I got home and called my bank, which is when I discovered that my card had been used for a transaction in Australia.   Because of the holidays, I didn't get a new card until January, but at least it was sorted out.

What annoys me is that the people who do these crimes, don't care who they inconvenience or hurt.   In fact most seem to consider it a victimless crime.

 

[JLSleather]

Yeah, it happens. I'm actually impressed that this is the first time for me.

My card emails me any time the card is used, so I knew about it within a couple of hours (earlier if I had checked email earlier).  When I called the card company, they already knew and had 'shut off' my card.  Gal said two charges "got through" but there were far more that would have gone if they hadn't caught it early.  

I'll get all my money back... just gonna take a week (ish).

______________________

On the funnier side of credit cards.... years back, I walked into Walmart for a new fishin' license and a soda pop (or some such). Two boys got a table set up inside the door, offering a Walmart card to shoppers.  

So I said.. don't walmart take Visa?  Cuz if they take Visa, WHY would I need a Walmart card?  And the one kid says.

• it's free.. no annual fee, blahblah
• you get a discount on gas you buy at walmart (I think like 10¢ off)
• you get a free 2-liter o soda just for applying
• plus we get $30 for signing you up

Fair enough.. this kid is honest.. i lke that.  So I tell him.. you fill it out, when I'm done shopping I'll sign it, you git yer $30. And that's how it went.  

Couple weeks, I get a Walmart card.  ONly got a $750 limit, but that's mroe than I'm gonna spend at Walmart anyway, right?  Stuck in my wallet and forgotten.

MONTHS go by, and I'm in line at Walmart with $38 worth of stuff.  Waiting in line, it occurs to me ---hey.. i got a walmart card!  Which was quickly declined

So she says must be over the limit..  Uh.. don't think so.. never used.  And she's trying to get me out of the way, cuz people are lniing up.  So she tries again, and says well if it's a new card, maybe it isn't activated yet.  Gota call that number on the card.  WHICH i think is a good idea, and I did.  Right there in the line.  With people stacking up.

Turned the speaker on the phone, and everybody can clearly hear the thing say you're total lmit is $750... your total available credit is $750.... so I HADDA ask... it's a new card, activated, with the entire limit available.  Do you NOT TAKE Walmart cards AT WALMART?  Then I borrowed the scissor she had right there for clothing tags, cut the card in half, and later mailed both pieces to wherever....