Whelp, it looks like I’m officially a victim of credit card theft. Some asshat tried stealing my c/c number to make all kinds of purchases online, but was promptly REJECTED cuz they were going up against our beloved USAA (BAM!). So bye bye went their $300
purchase failed attempt in Green Bay, Wisconsin, as well as their $2.00 trial out in the UK (probably to see if it would go through so they could forge ahead with larger charges). Needless to say though, I was both shocked, and the opposite of, at the same time.
You never see this stuff coming, but when you’ve got a killer company watching your back you tend to be a lot less stressed about it :) Within 6 minutes I was notified of these jackass attempts, told they’ve frozen the account and no more charges will be made on them, and then re-issued a brand new card to be FedExed. Not too bad! Of course it sucks and it’s annoying cuz now I gotta go back and update all my automatic bills all over the web and what not, but it’s a small price to pay (or not pay!) to be safe and secure again. And I give mad credit to USAA for being so proactive about it all.
(Once they texted me when a weird $100 charge hit my account at an airport. It was really just me blowing some money on some sunglasses, but still – it could have been a thief!)
It also helped that these jackals didn’t have my expiration date OR the CVC code or whatever that’s called. So they must have skimmed it off some site or got into some database somewhere and just ripped off the numbers. I’d imagine that if you had physically taken the card from me at some point, that you’d be smart enough to take down the rest of the info too – so we’re ruling that one out ;)
All this just goes to show that it’s important to pay attention!! With what sites and banks you trust, places you frequent with your business, and more importantly REVIEWING your credit card statements every month. Even if USAA hadn’t picked up on these and had let them through, I would have caught it within a matter of days anyways – the next time I logged on and skimmed the latest transactions (I literally do it at least once a week cuz I’m pretty anal like that, but a good rule of thumb is once a month). It honestly only takes a few seconds to eyeball down the transactions and make sure nothing funky is standing out. Then when it does, all you have to do is call your bank/credit union/etc and ask what’s up.
So if you haven’t reviewed your accounts lately, go and do it now! It’s not a matter of IF you’ll become a victim, but WHEN. Take a few minutes and catch those jackals before they rob you blind. Don’t let them win! :)
PS: If you ever wondered why I had 16 accounts with USAA, now you know.
(Photo by xJason.Rogersx)
Jay loves talking about money, collecting coins, blasting hip-hop, and hanging out with his three beautiful boys. You can check out all of his online projects at jmoney.biz. Thanks for reading the blog!