the sometimes senseless ravings (and the occassional rant) of an aspiring marine ecologist who may enjoy killing things a little too much

Friday, June 27, 2008

Credit Card Fraud

only not so much. today i tried to make a purchase from using the credit card that i always use to make purchases from - only the transaction wouldn't go through. which is a pain in my arse. i had to update the expiration date on the card, but everything else is still exactly the same, so i do not understand why the credit card company suddenly decided that my purchases from old navy might be fraudulent. perhaps it has something to do with the new 4-stores-in-1 format that old navy, gap, banana republic, and piperlime are using now.

let me reiterate that i make purchases from old navy using this card every 3-4 months (i prefer this over going to the store for various reasons - one being that my local old navy rarely has anything in my size in their minuscule clearance section, from which i make many of my online purchases, and another being that i often really like some of their online-only items). i prefer to use a credit card instead of my debit card for online purchases because it's so much easier to get rid of a fraudulent charge on a credit card than to replace money in my bank account. so i always use the same credit card when shopping online.

but today the credit card company decided to screw with me. i entered my card info into the checkout section twice, including the security code from the physical card. both times, my attempted transaction was denied. instead i got a message that read something like, "the transaction could not be completed. please re-enter your information. if you are sure the information you entered is correct, please contact your credit card company."

only i didn't have to. they contacted me - 3 times. two emails and a voicemail while i was on the phone with them responding to the emails about 'possible fraudulent activity.' only there was no fraudulent activity - those bastards just decided that i wasn't allowed to buy anything today! well, i ended up just using my debit card after all, so i got the stuff i wanted. but no thanks to my stupid credit card people!

so anyway, i called their account security center (using the phone # from my card, not the emails) and informed them that there was no fraud and that i was very annoyed at the card not working for me. i also inquired as to how to avoid this situation in the future. and i was pretty much told that i couldn't. the chick i talked to said that if a transaction couldn't be completed in the future i would have to call the number on the back of my card and verify my information - which is a huge pain in the ass. anyway, she took the security flag off my account, so hopefully my card will work for me in the future.

but it was still a pain in the ass.

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