Wednesday, December 16, 2009

Credit Card Declined? That and Amex Thinks I’m Dead

What a shock THAT was at the Starbucks this morning! Well, it turns out someone was having a ball at Walmart and Food Lion somewhere in South Carolina with my card. Sheesh! Good thing the folks at Chase caught that early and are taking care of the fraudulent charges.

It’s just annoying at this point. Cute Man (an authorized user) and I will have to wait until they send us a new cards in order to use them again. It’s just a minor crimp in my strategy of using the card for all purchases, building up reward points, and paying the balance each month. Then there are all the automatic withdrawals linked to that card that I’ll need to update when I get a new card number. Oh, well. A few minutes of my time to make those changes isn’t exactly a big deal.

But how did they get my card? Neither of our physical credit cards is missing so I’m thinking that the number was somehow hijacked and then a fake card was made. I mean, they used it at Walmart, so they probably needed an actual card, right? In any case, I’m hoping this is the end of it. We’ll get new cards next week, I’ll fill out the fraud paperwork, and that will be it (cross your fingers!)

In other news, I finally dealt with the mistake on one of my credit reports. One of my old credit cards was listing me as “deceased”. Yep, as in no longer among the living. I put in my request for an “investigation” which I find kind of funny in this case – how much investigating is necessary to prove I’m still breathing… I mean, I could be a pretty good eye-witness…

So I’m in pretty much in a “deal with stuff” kind of mood, which is actually quite contrary to my normal state. It’s crazy to see how dealing with this stuff really isn’t all that bad once I just go ahead and just do it already. It’s the dread that keeps me from dealing… This is of course all in the quest towards home ownership. Hopefully, with this credit snafu cleared up, we’ll be able to move forward with the home-buying process with NACA in January!

2 comments:

notesfromthefrugaltrenches said...

Oh that must be so upsetting, I remember going through it but my thief was in Italy!

((hugs))

HEALTHY AMELIA said...

Thanks, FT. It could of been MUCH worse so I'm trying not to sweat it too much. Hugs right back!