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My opinions on credit cards

Posted on June 6, 2007
Filed Under Iklan |

I’m going to tell you about a credit card fraud case in which one of my customers lost her card recently. By the time she found out, it was already 2 days later. I helped her call up the card centre to enquire about the status of her credit card and she was shocked to know that it’s been used; TWICE!!! Same amount and at the same merchant some more. She has a feeling that the merchant is committing fraud together with the person who found her credit card.

Of course, she filed a dispute with her credit card company immediately.They told her to pay for what she’s used only as stated on her statement. Then, faxed over a form for her to fill. I helped her with it. Together,we made sure we filled the form correctly before we faxed it back to ther credit card company. I told her to keep the dispute form carefully and MUST NOT lose it. When she received her credit card statement the following month, she got another surprise that she was billed for the amount she disputed earlier.

The credit card company made a mistake and only canceled one of the fraud charges, but billed her for the other. That’s ridiculous; ABSURD!!!! And since it’s been months, she called me up yesterday and said that she CANNOT find the dispute form. I think luck wont be at her side this time. Credit card companies are notorious for giving pople the runaround on disputes. If she cant find the form, then she has to find a lawyer to help her with her case as the amount involved is quite big.

She has cancelled the card and is now checking out interest free credit cards. Says she’s better off getting a new card as she doesnt trust that credit company anymore. That reminds me to keep all my credit cards as securely as possible and only take the one i want to use out with me. We must be very careful with our credit cards. I mainly use them for balance transfers. I only shop with my cash back cards. I sure do not want the same thing to happen to me.

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