- 10 years ago
- Wedding: May 2011
She said it went through fine.
She said it went through fine.
Do they call right away if they are suspicious? I told her to just cancel the reservations.
the charges ARE fraudulent if she isn’t on the account.
uhoh she wasn’t on his credit card accounts?? This is bad news!
Would you mind telling us how much she charged? How did she know what his credit limit was? There could be fees if she went over.
Yeah they call within the hour. I have Chase and Capital one cards and they both call or text me quickly. Unfortunately this is ALWAYS happening to me!!! Luckily they actually did catch it when a thief stole my numbers last month.
She wasn’t on his accounts. She got the card in the mail while he was out of town and it said his credit limit on there I suppose.
Eek. I would be really mad if my husband had done that when we were engaged. But, we also both have credit cards, so it would never have been an issue. Regardless, I think it was a poor choice on her part to use someone else’s credit card without their permission/knowledge!
Also, it’s not as though he can’t see the purchase online when he checks on the credit card bill. And won’t he notice that he magically has an activated card that he never opened/activated?
Um, what she did WAS fraudulent. You don’t just get to activate other’s people’s credit cards and charge trips to them, regardless of whether you are going to pay it off or not. If I were him, extremely pissed would be putting it mildly. I wouldn’t trust someone who did that.
The credit card company might call and they might not. I have one credit card that alerts me if I spend $1 out of state, and another that has never alerted me/denied my out of state or large purchase.
No helpful advice really. I would probably advise her to cancel it and open a card herself is she really wants. I would KILL my Fiance if he used my CC without my knowledge. Seriously, if he did something like this and I found out I would call off the wedding. Money is a HUGE deal and going behind my back, using my card (even if the intent was good) would destroy our relationship. We share an account now and always ask each other about big purchases. I even ask him before I take a big sum out to pay wedding vendors or whatever.
They’ll probably call him to confirm the charge. Why didn’t she route it through her parents card? Even though it’s for a good cause and I’d be paying for it, my Fiance would be furious if I did that to him.
She needs to tell her Fiance what she did ASAP. Using someone else’s credit card with out authorization or permission is illegal. And if I were her Fiance, I’d be furious.
This is not a healthy way to start out a marriage.
The bank usually calls soon after the charge is made, or a notice is put up on the online account associated with the card. Opening someone else’s mail is a federal offense I believe, and activating someone else’s card and charging an expensive trip is definitely fraudulent, even if she meant well. I think telling her to cancel the charge is the best idea. She can get a CC in her own name, book the trip, surprise her Fiance, and build credit at the same time. She should probably also tell her Fiance she activated the card so he’s aware of it and won’t get any nasty surprises later (like if the bank cancels his card due to disuse, and it impacts his credit score).
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