- 6 years ago
Hi Bees –
I was just wondering if anyone else out there has had something happen to them similar to what just happened to me … and whether there might be a connection to wedding-related purchases and wedding vendor websites?
Last week, I got a call from my credit card company that a purchase had been flagged as unusual. Indeed, someone else must have gotten ahold of my credit card number, so we closed the account down and I am now waiting for a new credit card to arrive in the mail, and for the invoice so I can contest the fraudulent charges.
I’m not too worried about getting the charges reversed, the rep I spoke to on the phone went through the recent charges with me and flagged the ones that weren’t mine, and it appears that there were only two. The funny thing, though, is that one was for a little over $1000 at Dell (presumably a computer or something along those lines?) and the second one, the one that got flagged and alerted us to freeze the account, was for $4.95 at some business I don’t recognize at all, no idea what they do.
So, the thing that got me wondering … I’m sure that there are visible spending patterns that crop up when someone gets engaged, and so the credit card companies probably expect you to make more large purchases than usual … and maybe that’s why they didn’t flag the Dell purchase, which otherwise would have been very unusual for me? But so, I wonder if there might be criminals out there who exploit this and seek out people making wedding-related purchases? I know I’ve bought a couple of things online, and I hesitated before doing so, I wasn’t 100% confident about the security of one or two of the websites, and, in retrospect, I never should have made the transactions.
I guess I’m jumping to conclusions here, it could have been something entirely unrelated that caused the problem. But I’m just wondering if there are Bees out there who might have experienced anything along these lines?
BTW, a bit of a tangent, but, the book Bridal Bargains by Denise and Alan Fields recommends that you make all your wedding-related purchases on a credit card (as opposed to using a check, cash, etc.) precisely because you have more consumer protections if something goes awry – not only if your card number gets stolen and someone makes unauthorized charges, but if, say, the goods and services you paid for are not delivered, or are not delivered in appropriate condition, etc. So if your florist delivers you wilted bouquets or the alterations on your gown are really shoddy and uneven, etc, if you used a credit card you have a much higher likelihood of getting some or all of your money back because of the consumer protections attached to credit cards. Make sure to take pictures, etc., and thoroughly document the problem, but you will be able to lodge a complaint and make a claim if something like that should happen.