I’ll admit that I don’t have text message-notifications enabled for any activity pertaining to my credit card accounts. Since I pretty much operate in a cash-less household, I don’t need to drain my phone battery any faster than it already does.
On the other hand, we do funny things when free points are on the table…
A few months ago, I blogged about a new way you can use your La Quinta Returns points: towards certain purchases made at coffee shops, restaurants, grocery stores, etc. by signing up for “Redeem Away” and linking your credit card. At the time, I did link my credit card to receive 1,500 La Quinta Returns points as a bonus for doing so, but I haven’t actually redeemed any of those points towards qualifying purchases.
Like a science, every time I use my card at a qualifying retailer, within seconds of swiping the card, I get a text message asking me if I would like to redeem some of my points towards my purchase. While those messages are generally annoying, the one I received a few minutes ago while I was relaxing in bed saved the day:
As I mentioned above, I’m in bed; and I definitely did not order takeout, so of course this message was super alarming. I immediately signed on to my Chase account on my phone and saw a pending charge for $42.92 at a Wawa (Jersey thing) location over an hour away from me. This was not good, and only meant one thing: somebody has my card in their possession.
Luckily, I received the text message notification the instant the charge was made and that was the only fraudulent charge that went through. I can only imagine the criminals feeling victorious that a “minor” charge was successful, further fueling them to go on a major shopping spree on my dime.
While it stinks that my card is missing, Chase took care of the situation immediately and deactivated the card before any further damage was done.
Now the fun part is trying to trace back how I misplaced my card in the first place… the joys of having 16 credit cards!
Have you ever had a lost or stolen credit card? How long did it take you to find out there were fraudulent charges?