(Closed) What happens

posted 7 years ago in Money
Post # 3
Member
4137 posts
Honey bee
  • Wedding: May 2011

as long as she pays on time they won’t call him. i’m not sure what the issue is?

Post # 5
Member
1030 posts
Bumble bee
  • Wedding: May 2011
Post # 6
Member
3375 posts
Sugar bee
  • Wedding: October 2011

Yes they will probably call him.

I get calls all the time from my credit card company because Fiance and I travel continuously for work. They are confused when they get purchases made in 3 states across the country on one day. It’s generally triggered when I spend above $500 at one time.

Maybe she can change the number associated with the card? I’m assuming she has account privileges. In that case she can change the card’s phone number. Or she could intercept the phone call? I get texts when weird purchases show up.

Post # 7
Member
2313 posts
Buzzing bee
  • Wedding: August 2011

No, they won’t say the charges are fraudulent. I had a credit card in college that was only for emergencies and I hadn’t used it in about 2 years, but when I went to pay for passport photos one day, my debit card was declined because my bank said it had been reported stolen 2 years before. (Okay? It was weird, but that’s not the point.) So I just whipped out my backup credit card and even though I hadn’t used it in forever, they didn’t flag it or anything.

Now, if she doesn’t pay it off, they WILL start calling and then she might have a problem. Also, a statement will probably get sent to the house since now there’s a balance on it, soooo I guess she’s going to have to try and intercept those or hope he ignores them. 

Post # 8
Member
3375 posts
Sugar bee
  • Wedding: October 2011

PS they generally will ask if you are the main account user. That’s who they want to speak to. They’ve even asked Fiance for my social security number to verify.

Post # 9
Member
4137 posts
Honey bee
  • Wedding: May 2011

oh got it. usually they call within 1 day if they do call.

Post # 10
Member
3375 posts
Sugar bee
  • Wedding: October 2011

They also will repeat the charges to him if he gets the phone call. Such as $3,000 at Vacation International Resorts.

Post # 11
Member
10288 posts
Sugar Beekeeper
  • Wedding: October 2011

@MissBoston: It wasn’t her card, it was her FI’s.

If she wanted to surprise him with the honeymoon then she should have paid for it with her own money instead of charging it onto his card without him knowing. I would NEVER charge something like that onto FI’s credit card without talking to him about it first. Regardless of if your friend plans to pay it off, activating and using someone else’s credit card without their knowledge seems pretty illegal to me.

Post # 13
Member
8738 posts
Bumble Beekeeper
  • Wedding: September 2011

@mrskisstobe: Does she have permission from him to use his card? Honestly that sounds a little shady. If I used FI’s card to pay for something and didn’t tell him about it, he’d be pretty upset.

Is she planning on paying off the card? Or is he going to have to? Why didn’t she just use a credit card of her own if she was going to pay it off?

This whole situation confuses me a bit.

Post # 14
Member
2313 posts
Buzzing bee
  • Wedding: August 2011

@mrskisstobe:

Honestly, I would probably tell her to cancel them. Then the money is refunded to the credit card company, and if they DO call, she can tell her fiance that she’d done it as a surprise, but felt guilty afterward and was unsure if he’d be upset with her, so she just canceled them to pay for them on her own. It seems so much easier and much more honest.

Post # 16
Member
441 posts
Helper bee

If her Fiance just got the card in the mail, then it’s likely that his old card expired, and the bank sent him a new card. That happened to me. I had a CC in college that I never activated or used, but when the bank sent me my new one a few months ago, I activated it and use it sparingly. In my experience, the bank usually will hold the charge if it’s deemed suspicious. For example, when my then-FI was buying his groomsmen gifts, the store’s system was down, and he accidentally was charged for the purchase six times. The bank put a hold on his card and called him immediately. Sometimes the bank will just put a hold on the card, and sometimes it will call. If the transaction went through, your friend should be ok, but she should definitely pay it off ASAP. Maybe next time she should get her own CC to surprise her Fiance with an expensive trip, just to be safe 🙂

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