- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
This is becoming more common but is not something to worry too much about. Call customer service asap. They'll want to know if you have your card in your possession, what the last few charges you made were, etc.
What most likely happened is someone used your number for a small series of purchases, likely online/overseas. Your number could have been obtained by a computer hack, from an unscrupulous cashier/waiter, or it could have been randomly generated by software scammers use for that purpose.
The bank will issue you a new card, new number, etc. You will have to cancel any auto payments on the old card and set new ones up with the new card. Any rewards you have on the old card should transfer to the new account, but be sure to confirm this.
When you contact the bank, it might be a good idea to ensure that they have all of your current phone numbers and email address. You will not be able to use your card until you speak with them. This is why I always carry at least two cards. You can get a fraud alert on your card at any time without warning. If the bank can't contact you immediately when it sees suspicious account activity, the account is shut down and you can't use it. This can be very embarrassing if you can't pay for something because you don't have another card.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.