I have the worst luck, karma, whatever....

[Firefly]

What stinks about it is that we are all really paying for it most likely through higher prices. So while, directly I won't be paying those thousands of dollars the companies are out product/money. It will be passed onto consumers, so indirectly we all pay for this. The guy at the shoe company said they were out the shoes but that it is common especially because very rarely is anything done about these things.

I had calls from the Credit card company on my machine, but I was getting calls about lowering my interest rate so I didn't pay attention...I think they knew from the very first purchase. They must have a data base of your buying habits, so that quickly if anything unusual happens they know. I don't buy tons of baby stuff or shoes that expensive. They bought some chemicals too, don't know what type of chemicals though.

Yeah, I'm thinking one card with a $1000-$1500 limit.

Probably a good idea to have a lower limit card-- but as far as us all paying for it--- they can only do that if you allow them to. While I've been in CC debt before--- I now pay the whole thing off every month-- so they ain't making extra $$$ off me. Heck-- they get enough from merchants!

 

[woodchuck]

Credit Card

I've had this happen before (still got a real fancy wedding dress someone ordered). Dang thing wasn't even MY size! :roflblack:

Discover is really good about calling when any odd activity starts.

Visa reversed all the charges on my card instantly. Didn't even cost me the $50 fee that many have.

Most of these situations don't happen online--- more likely when you eat at a restaurant and the waiter takes your card in the back to run it---someone copies all the info down.

Another reason I don't use a Debit card! When they use one of those they can get 'real' money from your bank account.


Good luck with things--- I'm sure it will work out fine--- just a pain-- gotta get a new card with new number--- change any recurring charges you use the card for, etc...

I just received an e-mail about using your credit or debit card. When you get your receipt, DO NOT leave the line you are in. It is now becoming a problem because if you don't check your receipt at check out, the person at the register tacks on a CASH NOW of $20.00 or higher. Even though you never asked for it. Then the person behind you knows the person on the register and they pass it on to them.:yikes:

 

[Amanda B]

Probably a good idea to have a lower limit card-- but as far as us all paying for it--- they can only do that if you allow them to. While I've been in CC debt before--- I now pay the whole thing off every month-- so they ain't making extra $$$ off me. Heck-- they get enough from merchants!

The credit card company isn't paying for the products the merchant is. The shoe place let me know that they were out the shoes but that it was a part of doing business and using the credit card system. I pay my card off every month as well; however, I know that because of fraud we will pay higher prices for the merchandise. I worked in a clothing store before and that's the way it goes.

 

[SpyderFun]

Spending Limit

You can place a daily maximum limit on purchases so if it is exceeded it takes a phone call along with a password to approve the denied purchase.

Ask me how I know? Yep, I am a victim as well (AMX) but it did not affect my score and the person purchased building materials at a Lowes I don't use.

Good luck to all who have been victims of this and lets hope it never happens again to us.

 

[Amanda B]

Hummm....I might put that max on there. I also thought if you could maybe put it to where they could only ship to your house so any other address would need a call or something. Wonder if they do that???

 

[Firefly]

Hummm....I might put that max on there. I also thought if you could maybe put it to where they could only ship to your house so any other address would need a call or something. Wonder if they do that???

All cards by default are only supposed to ship to the billing address that you used. You can add extra addresses to ship to - but you have to log-in or call them and answer your secret questions in order to do so.

Yup-- the merchants are the ones that lose out on this kind of deal--- BUT- ---- if they follow the Visa/MC rules this shouldn't have happened. Cashiers rarely check your ID.

 

[VaughnCat]

Cashiers rarely check your ID.

So true! On the signature line of the back of our cards, along with our signatures have written "SEE PHOTO ID" and about 1 in 10 times, someone will ask to see it. (By the way, we signed with a permanent fine tip marker and fill up the whole space . . . . because someone I know had their card stolen and someone wiped off the real signature and signed their version . . . to the tune of about $5000 before they were caught):gaah:

Amanda B I hope you're getting closer to getting this wrapped up. ray:

Cat

 

[Amanda B]

So true! On the signature line of the back of our cards, along with our signatures have written "SEE PHOTO ID" and about 1 in 10 times, someone will ask to see it. (By the way, we signed with a permanent fine tip marker and fill up the whole space . . . . because someone I know had their card stolen and someone wiped off the real signature and signed their version . . . to the tune of about $5000 before they were caught):gaah:

Amanda B I hope you're getting closer to getting this wrapped up. ray:

Cat

Half the charges are off pretty much...I'm still charged for the United Airfare and $500 worth of shoes. Hopefully, it will be off soon.

I got charged for the police report???:dontknow: I never had to pay for a police report before, what a pain!

 

[Sarge707]

annualcreditreport.com you can only get the report for free once a year though. I just looked at mine last night.

I found out where one of the items was shipped too, not that there is anything I can do about it.

It was in Reading PA....maybe not local...I don't know????

Police report is now filed. Bike checked out okay.

There are 3 credit agencies at annualcreditreport.com .
I get a report from one in January -the next in May- and the third in September, this way you can get a free report every 4 months.
Except for online purchases I only use $$$!

 

[Firefly]

Half the charges are off pretty much...I'm still charged for the United Airfare and $500 worth of shoes. Hopefully, it will be off soon.

I got charged for the police report???:dontknow: I never had to pay for a police report before, what a pain!

Never heard of the police fees--- but I never reported mine--- only to Visa. I don't get what's taking them so long to take those charges off for you---- when mine happened the CSR on the phone went through all the charges with me-- and we found what was MY last actual charge--- then he simply wiped away all charges after that.

 

[Amanda B]

There are 3 credit agencies at annualcreditreport.com .
I get a report from one in January -the next in May- and the third in September, this way you can get a free report every 4 months.
Except for online purchases I only use $$$!

Good idea, I didn't know you could get a free one from each place!

 

[Amanda B]

Never heard of the police fees--- but I never reported mine--- only to Visa. I don't get what's taking them so long to take those charges off for you---- when mine happened the CSR on the phone went through all the charges with me-- and we found what was MY last actual charge--- then he simply wiped away all charges after that.

I'll call again tomorrow and find out if they are taken off yet. I was pretty much told they check to see where items are delivered, the shoes were delivered to Reading PA...I don't know about the Airfare from United though.