KirstenL4W

Here I am, paying bills and thinking about what to blog about, when I log into my credit card statement to make a payment.  I see some recent activity, and figure I’ll click on it to remind myself how much my last payment was.  I never use the darn thing, especially now that I’m in a position to not have to live off it, so it sits there and collects dust.  I did receive the new card in the mail when I told them about my name change, so I’m not missing anything.  The old card is still sitting on my desk ready to be cut up.

So when I checked my recent activity, I see 2 charges for the same merchant - AIC*HYDRODERM SKINCARE.  This sort of crap has happened before - remember how that turned out?  I ran downstairs to get my phone so I could call the credit card company.  They were very nice, again, and I filed a complaint with the fraud department, again.  Account closed, new card coming, fraud paperwork coming, yada yada yada.   I made my payment, since it’s due this week, and they even waived the usual $15 telephone payment charge for me.  Once I was all done using up my minutes with the credit card company, I turned to the search engine.

Apparently what happens is this - thieves see enticing offers for free stuff online that they really really want, like game consoles.  They just need to buy a bunch of worthless crap to earn points towards their free stuff.  Well, they sign up for all these “free” offers from their sponsors with “their own” credit cards and earn points that way.  That’s where they use auto-dialer techniques to find credit card numbers, and that’s how I ended up with fraudulent charges.

Everyone should reconcile their statements every month.  If you use your credit cards, then save your receipts to compare them against your statement.  That’s how I stopped one place from charging me more than I authorized.  Make sure everything matches, and that you have a receipt for everything.  It’s not fun being one of those people who are total dorks about their receipts, but it’s the only proof you have if you want to dispute a charge.  And if you see a charge you don’t recognize at all, call your credit card company.  They’ll tell you what it looks like the charge is for, and you can either remember that you made the purchase after all, in which case you thank them for helping you with your memory, or you kindly ask to be transferred to their fraud department to dispute the charges.  But take action!  Be vigilant about your accounts!

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