Austin TX Real Estate - Hill Country Austin Lakeway Homes for Sale: ALWAYS Check Your Credit Card Statements

ALWAYS Check Your Credit Card Statements

Always ALWAYS check your credit card statements.  I never do this as I have so many things on auto-pay, it's always the same charges every month.

However, I went online a little bit ago to pay my credit card off and I decided to actually look at it as there were "pending" transactions. I looked at them and just nodded my head saying to myself, "Yep, those were yesterday's charges of gas and lunch and what is that?!"

I saw a charge for $69.95.  The details say it's a computer software company. Did my husband use my credit card?  No, he's been out of town and didn't get in until last night...  I look further down the list.  There's another charge 2 weeks earlier for $69.95.  What the heck is this?

I call the number provided, and apparently something got ordered online with my credit card and using my maiden name and they were not a computer software company. They so kindly removed both charges and gave me a refund confirmation number. 

I then looked further at the account, and saw a charge for something called Fit-Fac for $29.95.  Huh?  What is this?  I call this number and it's also something using my maiden name as they had a hard time looking me up.  I received another confirmation code to remove that charge.

That's $170 on my credit card that I did not charge!!  I did look further back, and there were no other bad charges.  How in the world did I catch these?  Pure LUCK!!

So, my warning to everyone, even though you think you know what is being charged on your credit card each month, double check those statements as you could be losing hundreds, if not thousands, of dollars!

Comment balloon 25 commentsDonna Harris • February 05 2009 01:05PM

Comments

I do all of my banking online, so I can relate to this. I'm pulling up the Chase website right now just to check. Great tip.

Posted by Ellie McIntire, Luxury service in Howard County & Catonsville (Ellicott City Clarksville Howard County Maryland Real Estate) almost 10 years ago

I'm getting online right now!

thanks Donna!

Posted by Tom Ferry (Tom Ferry-yourcoach) almost 10 years ago

Great advice. I recently did the same thing and found a few things myself. Thanks.

Posted by Spencer Molnar, GRI-Homewood Property Management almost 10 years ago

Time to consider that card as "compromised".  Have them cancel it and send you a new one.  It will just keep happening.

Posted by Portsmouth NH Real Estate Agent - Rebecca Skane, Realtor®, e-PRO® (Keller Williams Coastal Realty) almost 10 years ago

This can be very stressful. I actually wrote a recent blog addressing this issue.

Posted by Christopher Ott (Chris Consulting) almost 10 years ago

I had the same thing happen a couple mouths ago, now I am always checking.

Posted by Maria Mastrolonardo, Realtor, Naperville, IL Real Estate (RE/MAX of Naperville) almost 10 years ago

Thanks for the reminder. You can never be sure with what people will do next in this world. It is a shame we have to be so alert, but we must.

Posted by David Width Jr. almost 10 years ago

Oh AMEN, Donna!  This has happened to me.  A couple years back after dining at a State Park of all places, I began having all kinds of odd charges.

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Posted by Kris Kombrink ~ The Kombrink Team (RE/MAX Excels - Chicago's Western Suburbs) almost 10 years ago

Ellie, Thanks, I hope yours is all good!

Tom, Great! I hope yours is all good too!

Spencer, I hope everything turned out ok.

Rebecca, Good point!

Christopher, The good thing is that they readily removed everything which took away a lot of stress.

Maria, Oh no!  I hope it's all ok now.

David, No joke!

Kris, That's horrible!  I hope all is well.

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

I recently had my credit card company call me because of an odd transaction.  As it turned out, it was me (it was a Webinar Im taking) but there was a charge for $4.00 that we talked about.  I know that sounds silly, but it was charged in Austin and I have not been there for about a year.  The bank thought it was odd due to the location and stated that it could be a 'tester' charge.  if it went through, then typically Banks would allow all other charges (even if a ridiculous amount) because there was history of previous charges. So, we stop pay and reissued the card.

Posted by John Cannata, Texas Home Mortgage - Purchase or Refinance (214-728-0449 http://TexasLoanGuy.com) almost 10 years ago

John, I got a call from B of A fraud detection people a couple of weeks ago because of a $12 charge and $6 charge.  I guess they look out for "tester" amounts, though these were my charges.

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

I keep waiting for the call from someone saying "Hey, why did you stop my $4 payment".  Hopefully I didnt forget something.  I dont see myself charging $4 though.

Posted by John Cannata, Texas Home Mortgage - Purchase or Refinance (214-728-0449 http://TexasLoanGuy.com) almost 10 years ago

John, I charge anything that can be a write-off as I don't keep "receipts" but I keep my credit card statements (kinda), but it's all downloaded into quicken.  Much easier. I very very rarely pay cash for anything.  Even a $5 Rx is charged because we have a cafeteria plan through my husband's company... plus the cash rewards are nice too.

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

Donna, excellent advice and something everyone should be doing on a regular basis. So glad they credited you back those erroneous charges. Now, if you would, could you please send me my Fit-Fac!!!!!

Posted by Craig Rutman, Raleigh, Cary, Apex area Realtor (Helping people in transition) almost 10 years ago

Hey, Donna. This has happened to us and it turned out to be related to our old Pay Pal account. Thanks for sharing and I hope that you have a great weekend, Jim

Posted by Jim & Maria Hart, Charleston, SC Real Estate (Brand Name Real Estate) almost 10 years ago

Craig, As soon as it comes in the mail, I'll forward it to you?

JiMaria, Thanks and you too!

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

I am CRAZY when it comes to checking my credit card statement.  Do you know how many times servers at restaurants punch in the wrong tip?  It's scary!

Posted by James Downing - Metro DC Houses Team REALTORS®, CRS, GRI, ABR,MRP, MilRes, When Looking to Buy or Sell - Make the Right Move (Real Living | At Home) almost 10 years ago

James, I worked in the service industry throughout college, so yes, I know how many times the wrong thing gets punched in, and you would be amazed at how many people think they can actually get away with it!

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

Well that's pretty scary.  I check mine every month and usually there is something I don't recognize, but it always turns out to be my husbands charge.  Creepy someone used your maiden name.

Posted by Sharon Tara, New Hampshire Home Stager (Sharon Tara Transformations) almost 10 years ago

Sharon, That's great that you're already in the habit of checking each month.  My husband and I have completely different cards, so I would never suspect him making a charge with my card.

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

Yikes,

glad you caught those.  I always check online for any current transactions.  If anything happens I am able to catch it quicker than waiting for my statement.

I did however about 4 years ago have someone charge about 4000.00 to a cosmetic surgeon.  I called the doctor's office and they said I had to take it up with my credit card company.  I did and the charges were reversed.  Makes you wonder about that doctor's office located in Arlington.

Posted by Angelia Garcia (Pure Realtors) almost 10 years ago

Angelia, WOW! The doctor's office wasn't even curious as to the charge so they could figure it out when they got billed back from the credit card company?  I don't care for Arlington... lived there for 4 years for college, ick...

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

You are so right.  I was looking at my cell phone bill the other day because I had given a phone to my 11 year old son so that I can call him (or visa versa) when we're not together.  I did not expect some 12 year old girl to text him and stalk him on it.  Anyway, while I was talking with my cell phone company to get the text feature removed, I noticed a $9.99 charge on my line.  I asked what it was and they told me it was for some software I had downloaded for "singles, blah, blah, blah".  Well, I knew I hadn't downloaded it and she insisted it wouldn't have charged on my phone if it hadn't been downloaded.  Nobody else uses my cell so I asked her to tell me how I could see it on my phone.  She told me.  It wasn't there.  It had been charged since November and they were only willing to delete this months charge.  I will be taking my phone down to the local showroom and having them physically check it out and I will make a few waves to make sure they delete the other two months.  But sometimes it's just hard to look at all the details we have in life.  I guess if I posted less, I'd have more time :)

Posted by Bradley Patterson, The Bradley Patterson Team (Keller Williams ) almost 10 years ago

Hi Donna - I would contact the card company and have them issue you a new card with a completely different number. You should also look into putting a freeze on your credit reports. Hope these are just isolated incidents!

Posted by John Novak, Henderson, Las Vegas and Summerlin Real Estate (Keller Williams Realty The Marketplace) almost 10 years ago

Meg, You can download stuff for singles?  That sounds odd.  I hope that all gets worked out!

John, I have a "fraud" alert on my credit, but have not needed to take it further.  My credit card is about to expire, so I'm going to get a new one anyway.  Kill two birds...

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, powered by JPAR - TexasRealEstateMediationServices.com) almost 10 years ago

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