For the second dang time in the same dang month, I’ll have to update my freakin’ dang credit card info across all the sites it’s freakin’ attached to. If you ever want to annoy the piss out of yourself, throw your card out the window right now and then request a new one :) We’ll commiserate together!
But, luckily all this bitching comes with a helpful tip. Which I’ll be sharing as soon as I’m done with the bitching part…
Here’s what I’ve been dealing with (and yes, they’re 1st world problems):
- Target info got hacked – USAA took precaution and re-issued my main “house” credit card (the card we use to pay everything relating to our house – like utilities, groceries, baby stuff, and pretty much 99% of our lives).
- J Money gets annoyed, but understands it’s for the best, so he begrudgingly updates every last place his credit card is on file at. Then he blogs about it ;)
- His wife proceeds to do the same – making it a double whammy since the account is linked
- A week later, J. Money loses/misplaces/gets robbed of this shiny new card and for the life of him can’t find it.
- He calls up every single place he’s visited on that day, but no luck.
- He searches high and low and every which way, praying it reveals itself to him. (It doesn’t)
- He waits another week in hopes it magically re-appears on its own! (It unfortunately does not)
- Finally, he reports it and now awaits a new card in the mail… To which he’ll have to – yet again – update all his accounts before any future auto-pays hit and cause even more of a ruckus, argh…
Not fun stuff. But do you know what would make it even MORE not fun stuff?
Not having a list of where your credit cards are on file!
Luckily the old J. Money learned from his mistake last time around, and made a list to help his future self out. You know, in case this should ever happen again (and it always does. Even without losing them or being hacked they all come with expiration dates!). This made the current J. Money very happy indeed :) Now it’ll only take him 1/30th of the time to update everything because he knows where it all is! Huzzah! And he’s going to time it too – just to prove how accurate that last statement was ;)
It also got him thinking of other ways to avoid such hassles down the road. Things like:
- Don’t let your child play with your wallet in public places (probably the culprit here)
- Don’t have your credit card linked to a million & one places online – especially those you rarely use
- Start using checks? (HAH! No way, José)
- Stop using auto-bill pay? (Double HAH!)
- And, finally, stop being a dummy.
It’s the last part there that’s usually my problem ;) But at least I’m only 1/2 a dummy now that I’ve got that list of places my credit card’s attached to! And I urge you to do the same when you’ve got a few minutes open for some nice torturing… I’m not gonna pretend it’s exciting, but it still doesn’t mean it’s not a smart thing to do.
So don’t be a dummy, folks. Make a list, and then thank me later for it! I take payment in ice cold Blue Moon please :)
UPDATE: Lucas left this comment down below and it’s a great idea so I’m moving it to inside this post too so you see it :) “You just need to separate your auto bill payments from your point of sale/shopping useage. We got effected by the Target hack as well, but it really wasn’t a pain because I have one credit card (that I don’t carry in my wallet) that is used to pay all my bills (insurance, cell phone, ooma, some donations, . .. ). We have one other credit card that we carry around with us that we use on point of sale purchases and restaurants, etc… So that was the one that got hit in the target hack. All we had to do was replace it and just start using the new one.”
[Photo by sovietmole]
PS: Some of my favorite tools:
|Personal Capital (FREE) -- If you’re looking for a robust financial tracker, Personal Capital is the way to go! They’re like Mint, but on steroids and have much better tools for investment and net worth tracking. // Full review|
|Digit (FREE) -- A super easy (and automated) way to save. Every day Digit analyzes your income and expenses and will push money aside for you any time it sees extra sitting there. I've saved over $4,000 myself using them so far! // Full review|
|Acorns -- Having trouble finding money to invest? Check out Acorns – they round up all your transactions to the nearest $1.00 and drops the difference into an investment portfolio for you. Easy way to start investing! // Full review|