When I woke up this morning, I checked my email, like I always do, and I saw this. It said it was from Bank of America and the subject was security alert unusual credit card activity detected. Great! What has life thrown at me today?
So I opened up the email and I saw exactly what you see in the image. Do you recognize all of these transactions? Declined transaction for $149.96 and approved transaction for $397.77. Uh… no I do not recognize these.
Of course, I didn’t click on anything because I wasn’t sure if this was a phishing scam. So I opened the Bank of America app on my cell phone and immediately it asked me if those were transactions that I made or if I recognize them or whatever. I went through the whole process to mark it as not my purchase, not my responsibility and they closed my credit card down and are sending me a new one.
I am the cheapest person on the planet. I would not buy myself something for $150 or $400 that’s just going to be consumed into my body and pissed into a toilet. It’s just not going to happen. And if this was a gift basket, you can bet it’s not happening. I am not paying $400 for wine that I don’t even drink. I don’t even like the taste of wine. I don’t care if someone wants wine as a gift, they’re not getting it from me because I can’t afford $400 for wine. Heck, I can’t afford $400 for anything.
I waffle on getting anything new because I know I don’t really need it. I may want something, but as long as I know that I don’t need it, I’m not buying it. And I certainly don’t need to send gifts to people that cost $150 and $400. Never. Going. To. Happen.
Thankfully the first one was declined and also thankfully the second one was still pending which means the merchant never got any money and so the bank didn’t actually lose anything.
As for my credit card. My credit card was paid off. I had a zero balance. I still had some things being charged automatically, like my Dollar Shave Club charged me $15 for a razor cartridge and a toothbrush, my website charged me $12 for hosting and there was one other charge that I can’t even remember what it was, but it is legit. But the total that my card is at now is $35 and I will be paying that off in a couple of weeks when I get paid. So you can imagine that if I’ve paid off all of my debt, I do not want to have to start over with a new debt of $400 for wine and $150 for Gourmet gift baskets. I want a $0 balance. $35, fine or zero preferable. But I am not putting myself in debt again for a gift for someone I don’t even know.
Oh and my credit card is in my wallet all the time and I never take my wallet with me anywhere. I keep my ID and my debit card for my checking account in my cell phone case. I don’t know how my credit card got compromised. The only thing I can think is that one of the companies that charges me for services was hacked and that’s how they got the credit card number and the three digit code on the back. That’s the only thing I can think. Well, now I have a new credit card coming so I have to change everything to charge the new credit card.
I hope this doesn’t happen again.