Someone stole my credit card number!
I checked out my bank information this morning, as usual, and couldn’t get into my Chase Freedom Visa. Assuming it was a technical error, I sent off a short email to customer service stating the problem. They replied and told me to call a security phone number to fix the problem.
After a myriad of security questions, I was asked if a $3838 charge made today on my credit card was valid. Um, no it was not! This suspicious charge flagged their system and my account was placed on hold. The fraudster did not have the correct expiration date, so the charge never went through, and even if it had, I would not be responsible for the charge. I think she said the charge was to dollardays.com, but I can’t remember for sure. Looking at the site, I can’t imagine who would want almost four grand worth of stuff from there!
I’m a little shocked and unsure how my card number could have gotten out there. Did the clerk at the grocery store skim it? Seems unlikely. I purchased a swimsuit on sale on Victoria’s Secret last night. Could a reputable company like them lack proper security on their site? Did I miss an important document with the number on it and throw it? Do full numbers even COME on anything you get in the mail? Was Yodlee MoneyCenter hacked? How about my computer itself? All these seem unlikely, so I naively want to think someone was simply trying to charge something to their credit card with a digit off from mine, and it was all a mistake. That is equally unlikely, but makes me feel the world is a nicer place.
Anyway, it is all taken care of. I will have to fill out some form to help them investigate, but they are issuing me a new card (will this have an effect on the age of my credit history?) and nothing more needs to be done. I will be able to get by just fine without this card for the next few days. Ironically, this only reaffirms my belief that credit cards are a safe way to do business. In the 8 years I had a card, this is my first fraudulent charge, and I’m liable for exactly zero dollars of it.