My first experience with Credit Card Fraud

[Casch 0]

Hope BoobieCootie doesn't check his credit history for a while...
....
J/K brotha!

Anyway, so yeah someone somehow charged a meal on my credit card up in Olympia on Sunday. My CC was basically maxed so that put it over the limit. I went to make a payment and I see that my account went over the limit and had a $30 overlimit fee tacked on to that. I was like...WTF! Not cool! I may have a habit of keeping my card maxed, but I am VERY careful about knowing where my balance stands. So anyway I called up Cap1 and talked to a really cool chick and she fixed the problem. The meal and the overlimit fee will be removed by my next statement. WHOHOOO! I thought I would have to go through a whole bunch of legal mumbo jumbo to fix it. Cap1 isn't as bad as I thought...

[jumprunner 0]

Did someone steal your credit card number or your credit card? Inquiring minds want to know...

[Casch 0]

I have my card right infront of my face....grrr. What is up with these peoples, use your own friggin CC!

[skygal3 0]

You did ask her to change your card number, right?

[freakshow 0]

Yeah use your own cc we need ours for jumping..
all in all sorry it happened,glad they took care of it for you.

B.L. (the brain)

[jumprunner 0]

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Did someone steal your credit card number or your credit card? Inquiring minds want to know...

Well, I have had a Cap I card for years now and I think they are terrific. Only credit company Ive ever liked.

[Casch 0]

Ok, well it turns out that the charge may have been legit. I was up in WA LAST month, over a month ago...when my van broke down. I ate at a truckers diner while waiting for a ride. I did charge with a card. The thing is, it wasn't in Olympia where I ate, and even if it was just processed in Olympia, the amount of the charge should have been deducted from my available credit at the time of the swipe, like ALWAYS. Anyway, I may call them up to verify this and have then reinstate the charge, but leave the overlimit fee off.

[freefallfreak 0]

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Anyway, I may call them up to verify this and have then reinstate the charge.

Good man...that's an honorable thing to do.

FFF

[Casch 0]

Yeah, it's not cool to rip people off. It's the people that do such things, that cause my car insurance to be sky high, medical insurance to be sky high...pretty much everything is ruined by these people "Using the system in their favor", more like abusing the system...grrrr

Yeah, it's not a big deal, wow $9. But when I have them reinstate that, they better not reinstate the $30 overcharge. I monitor my credit balance regularly, last time I looked, I only had $1.67 credit available...out of $500...hehe. If I had known that they were going to take an entire friggin month just to notify Cap1 that a charge had been made, then it would be a different story. I won't pay Cap1 for that diner's mistake. The $9 should have been deducted from my available credit immediatly...I don't understand why it wasn't, but oh well.

[wingnut 0]

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The $9 should have been deducted from my available credit immediatly...I don't understand why it wasn't, but oh well.

it's all about when the system updates and such.. sometimes they just run a check to see if there is enought credit to post a charge to.. then it actually takes a while for a charge to appear. normaly it's like 1-4 days.. a month does sound like an auful long time...

______________________________________
"i have no reader's digest version"

[Casch 0]

Well the way I've noticed my CC works is this.

My statement has two numbers, one is my actual Balance. This doesn't update until the invoice is processed. Then there's "Available Credit". It seems that when my card is swiped, it automatically deducts the money from my "Available Credit" on the spot. I've noticed this over the past year since I got the card. Then 1-4 days after the actual purchase, the information appears on my statement, and my Account Balance increases. It seems that the charge at the diner was never even sent to Cap1 until recently, as if the machine never made the call to Cap1.

[aneblett 0]

Credit card companies are pretty good about this sort of thing. A few years back I found a 60US charge on my credit card that I knew wasn't mine! To a canadian that was a small fortune

MasterCard took it off immediately pending investigation and they told me that if they determined that it wasn't me that charged it that they would eep it off. I guess they determined that it wasn't me cause I never heard from them again. But I do remember them making this really easy to do.

Age

S.E.X. party #2

..It is far worse to live with fear, than to die confronting it.

[FallinWoman 1]

I have had only great experiences with my credit card company. Ten months after I was in Finland for a vacation, I had a bunch of charges from Helsinki. Yes I had been there, but not for 10 months. CitiBank didn't charge me a thing for the fraudulent charges.

~Anne

I'm a Doll!!!!

[Malev 0]

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The $9 should have been deducted from my available credit immediatly...I don't understand why it wasn't, but oh well.

These things seem to happen occasionally - I had a transaction on my Switch (debit card) that took over a month to appear. Like yourself, my first thought was fraud, but on phoning up the bank I was told this isn't too uncommon.

[EricaH 0]

A few years back I had my wallet stollen & didn't notice it for a whole weekend. On monday Citibank called to invistigate some "odd" charges on my account.
Over all they charged $8,000 on various CCs, $500 to my debit card & opened 3 new store CCs. It's all still on my credit report as "pending investigation".
Everyone took all the carges off my accounts - luckly wasn't liable for any of it.
Now I have my SSN under fraud alert & check it every quarter.
It's a pain, but w/ assholes out there - what are you gonna do?

There is no can't. Only lack of knowledge or fear. Only you can fix your fear.

PMS #227 (just like the TV show)