I don’t usually share full posts about what happens in my day to day life, but this is important and will also serve as a little PSA to everyone!
So yesterday, it was a interesting Friday. I was in work meetings all day, got a surprise visit while at work from Aunt Flow (felllas don’t worry about that part), I was super emotional and just drained from all the writing I had to do. I looked at my phone right before the end of my work day, and to my surprise I had credit card charges. Yes, someone got my information and tried to spend around $400 on my card in a few different purchases. Just great right.
So obliviously not i’m driving to my parents cottage straight from work and I spent the whole drive (an hour and a half) trying to get through to TD Bank. Well guess who never got through to anyone, this girl. I get to the cottage, my dad calls and gets someone right away, what a waste of time right.
So after finally talking to person 1, they transfer me to someone else. At this point, i’m cranky, and starving and just want the day to be over. Person 2, tells me on the phone that I can expect a new card in 10 business days, best part is with the holiday’s coming up around the corner, I am pretty well going to be credit card less for like a month. Mind you, I use the card for groceries, gas, paying condo fees, you name it, so this is about to be an interesting little bit. Person 2 also apologizes for the fact that i couldn’t get through fr an hour and a half & then tells me, that if I called from the TD App (yes this is apparently a thing I had no idea about) they basically jump those people to the front of the call line. So now, i’m even more upset because I’m like why can’t they just keep the que going.
So after all that fun, I’m expecting to see the charges removed in 10 – 20 business days & awaiting a new credit card. Which is no problem at all, I guess this will keep me from aimlessly spending money on things I don’t need for a while, I do have a credit card linked to ‘P’s since he would send me for stuff that was to be expensed through work so it made sense & is I guess kind of for emergencies but he has so graciously told me I could use his card for the next little bit (obviously I’ll be paying him back), but I was so stressed about the whole situation in general. But since it’ll be connected to his account, it’ll also help me think twice before online shopping as well. So stay tuned for the eventual post about that, cause I’m sure one day i’ll have the energy to write that up. But thankfully I was proactive this year and got all my shopping done early, otherwise I would be so screwed with Christmas.
BUT now I’ve rambled on and if you’re still reading, I am sorry for that. Moral of this whole story: check your credit card statements regularly. Thankfully i’m just a nutcase about this stuff, and literally check my accounts daily or ever other day, but I promise it’ll help for if a situation like this arises. I know it’s common and happens all the time, but the first time it happens to you, it’s a little scary, this was the first time it happened to me and all I kept feeling was overwhelmed and sort of violated that my card information got stolen.
Hopefully this doesn’t happen to any of you, but like I said, check your statements regularly and know what’s happening in your accounts!