2018-04-15 - 5:28 a.m.
I had lost my purse at a church a few weeks back, when found it the wallet was missing. A couple weeks later I got a call that was found.
So in the interim I had called to cancel cards, get new ones as well as ID.
So for the last few weeks I was using a credit card I am trying to pay off instead of my cash (via bank card) from bank account. I have to admit I was a little less careful with my budget as well! We spent more than typical- as I did some atypical things. I figure we only live once, so when one sister actually came to hear the other sing at All State Chorus I just had to take them out for a nice dinner afterwards as one example. That and the Easter dinner with the whole family as another (eating out is a very rare treat as honestly just not in my budget!)
What is fantastic is this lack of using my bank card helped me in the weirdest possible way!
I HIT the limit on my card (which is not a very high one)
I am only guessing this had to be a card swipe and someone tying to steal the $ and then immediately use it:
This shows on my account:
In order to help us provide uninterrupted use of your card, please spend within your Credit limit or make a payment of at least the over limit amount shown below.
Over Limit Amount
What is actually super cool is that this is my AMEX card and I have to report that they have allowed me to go over limit in the past. Then I pay it down. They are really pretty good at that, so I wonder if there is sophistication enough in their computer systems to recognize anomolies and automatically deny them. I do recall having had to make a quick call when traveling to let them really know it was me when they denied some charges out of state.
I think they happen to be exceptional at this pattern recognition.
It may have been a pain to have to call that time they didn't approve a charge when traveling somewhere, but I perfer a credit card company with conservative risk management that protects me than one which is not as good at that.
Heck had I been using my bank card I feel like someone could have just gone to town shopping...
I feel like I just lucked out!
And will call AMEX to report that was not my charge as perhaps they will be careful and send me a new card and #