CarefulBuilder14 wrote:I called Chase and disputed the charge. I was transferred three different times, so I'm not thrilled about the efficiency of the dispute process.
This could be my mistake. I realize the charge is in pending status, and pending charges are not supposed to be disputed.
If saying "fraudulent activity" and "unauthorized pending charge" you might have better luck. If saying "dispute" they might think you are disputing a charge that is posted, and more likely related to merchant mistakes/dissatisfied with goods & services etc., though I believe when the charge is posted you can still dispute it because of fraudulent charge.
CarefulBuilder14 wrote:the kind where the waiter takes your card out of your sight for several minutes
This happened to me a few times, I didn't care too much about it, though I know there is possibility they take down my name, card number, CVV, expiration date.
I just don't feel very comfortable to go to the cashier and see them swipe the card--they might think I don't trust them.