My Identity Has Been Stolen!

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AngerManagement - StillcroppedWho am I?!  Don’t ya know me, Bert?

For only the 3rd time in my life, there was a fraudulent charge on one of my credit cards.  My credit report says I’ve had 61 cards over the past 25 years.  So, I feel pretty lucky.  Yes, this is considered having one’s identity stolen.

This was a pretty easy one to spot since I rarely use that card and even more rarely shop at Forever 21.  I’m more of a Lane Bryant gal.

The day after the charge hit my card, the transaction popped up in my Quicken.  Because I have Quicken download any new transactions in all my financial accounts, I knew about it the day after it happened.  No waiting for a statement in the mail.  Check out my Quicken review: I Feel Like Quicken Tonight.

I called the number on the back of the violated card.  They credited the amount back to my card.  I owed nothing.

The next step is that they send out a new card.  Because this was a card that was about to charge an annual fee (which is no bueno), I stopped them.

I asked them to transfer my credit line to another card that I had at their bank.  They were able to move over all but $500.  Then I canceled the card that had the fraudulent charge.  This way, I keep all but $500 of my credit line, thereby having very little impact on my credit score.

The still was taken from my appearance on ANGER MANAGEMENT. See it here.

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