Paying Credit Card Balance During Fraud Dispute

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Paying Credit Card Balance During Fraud Dispute

Postby kronsteen63 » Sat Jul 30, 2016 1:50 am

I have a bit of a unique situation. Yesterday, I was the victim of credit card fraud in which my card was used to make a $1100 purchase. I immediately caught it and reported it. My FI cancelled my card and issued me a new one.

I have heard it can take up to a number of weeks to get it resolved after filing the dispute and for the charge to be taken off my card. So here is my situation: I am currently using that particular card to build reward points for a trip next year. It is at the point where I need to book the trip ASAP before prices continue to rise. Also, I need to pay tuition in about 1 month, which is necessary to put on that card to give me enough of the points I need to get fully reimbursed for the trip via rebates.

My credit limit is $10,000. So with the fraudulent charge it's now down to $8,900 until they get this squared away. That is not quite high enough to book the trip AND pay tuition. I would need to pay off the trip before charging tuition to my card. So my question is this: is it okay if I pay off the amount of my trip while the $1100 fraudulent charge is still on there waiting for the dispute to be processed? So for example, my trip costs $3000 so the amount it says I need to pay off the card in full is $4100. Is it okay to just pay off $3000 and leave $1100 (the amount of the fraud charges)? Or would paying off any amount of my card, legitimate portion or not, affect the dispute/reimbursement process?

I would ask my FI but they are closed for the weekend.

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Re: Paying Credit Card Balance During Fraud Dispute

Postby augiedog » Sat Jul 30, 2016 3:13 pm

You could try making a charge over the limit. If that doesn't work, you can pay off the $3000 on the trip you owe. However, since your tuition is due in a month, your statement could come by then and you can pay off the balance you owe. As long as you don't pay off the fraudulent balance you should be OK. Why not call your bank Monday and see what the best option is?
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Re: Paying Credit Card Balance During Fraud Dispute

Postby takeshi » Mon Aug 01, 2016 9:18 am

It's not really that unique. I've had fraudulent charges under investigation while using the card as many have. It should be fine but you may want to confirm with your creditor.

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Re: Paying Credit Card Balance During Fraud Dispute

Postby TyE » Tue Aug 02, 2016 8:15 pm

I had a similar issue with that as well. You shouldn't have an issue making purchases. Just to be safe, just call the credit card company to confirm.

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Re: Paying Credit Card Balance During Fraud Dispute

Postby saba » Sat Aug 06, 2016 3:35 pm

Some lenders block the card while this is going on and some don't. Agree to check with the specific lender.

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