Who 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.