It's finally happened! I got a call from Visa Fraud Protection last week telling me that they had some questions on my account. I didn't think too much of it because I had just purchased some magazine subscriptions online and I thought that's probably what they were concerned about. Flash forward 3 days....I finally get around to checking my account online and guess what, I have $148.21 worth of unauthorized charges. Someone got a hold of my card number and used it online. Things they bought- weight loss products, money making literature and a "My Life Reunion Search" membership.
I've got to admit, I am impressed that Visa could tell that I didn't make those purchases and contacted me. I am able to dispute the charges and get a refund on the items.
I've purchased LifeLock identity protection and will be loading all my information into that. It will monitor my credit, alert the credit bureaus, protect my SS# and a few other things. It costs $200 a year but I figure someone just stole $148.21 from me last week so it's worth it.
I have no idea how someone got my card number but it must have been pretty easy because they used the information without a whole lot of problem. I'm just grateful that Visa caught it fast and without a lot of money at stake.
Watch out!
6 comments:
Ooooo! Scary! I'm glad they caught it so quickly though.
That's great that they caught it in time... we've been impressed with Visa too, they have called us a few times when Ryan and I have made purchases in different cities on the same day. I am happy that they (you) caught it before much damage was done and that their policies protect you from those charges. Woo hoo!
Thanks for the heads up. Glad you're getting a refund.
Visa did the same thing for me a few years ago
I'll have to call and ask you about the Lifelock thing. I've seen them on TV and thought about it before. Your right if it's only $200.00 a year, a robber can do a lot more damage then that in a much shorter time frame.
good to know. We do not have credit cards so would it also work for debit?
It was my debit card!
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