Monday, December 28, 2015

International Christmas shopping

Christmas is over and I'm still waiting for my presents from Honduras.
According to our bank statement Marc or somebody has been busily shopping out of the country for the holidays.
First, I got a call from our credit union fraud department asking me to verify the last five charges starting with something for about $300 in a women's department store.
The robo caller didn't specify what had been purchased or where it had been purchased but listed the one big-ticket buy and a bunch of smaller charges from $4 to $11.
I told them I didn't recognize any of the charges and they were very nice about telling me they would refuse the charges and freeze my card, again.
This is probably the 3rd or 4th time this has happened to me in the past few years.
And while I totally appreciate the credit union folks for both catching and refusing the bogus charges, I really hate resetting my pin for each new card.
I have to come up with something clever and then remember to use it.
There's always a lag time where I'm punching in my PIN and it won't take it until I remember I now have a different one.
I dutifully went down to the branch office though and got a new card, a green one this time so I would be prompted to remember that this required the new PIN.
Then I checked my statement.
A charge from Honduras in the amount of $308 from Karolina's Accessories on the same day I was getting the new card.
I told the credit union and they agreed to freeze the card one more time.
They also agreed to dispute this new charge even though somehow it had slipped through after the initial trouble.
It's a pain.
I spend part of the time wondering how someone got my information and how I can be more careful in the future. The rest of the time I promise myself to avoid using my credit/debit card at all.
My routines are pretty set, though, and I rarely deal with an unknown drug dealer or cheap watch salesman on the street.
I know most of my business contacts very well and I trust them. I keep thinking I'm safe here.
We did do some shopping in California over Thanksgiving so maybe somewhere along the way there we trusted someone we ought to have avoided.
But my husband was the prime suspect for a while. I knew he was out Christmas shopping for me and I appreciate that.
I called him in and grilled him about the possibility that he might have hopped on a plane for some last-minute buying.
I told him I love him and like that he goes the extra mile for me.
However, I think shopping sprees to Honduras are over the top!

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