My credit card was taken by an evil stranger today.
I don’t know exactly when it happened, but based on a record of fraudulent transactions from my credit card company, I think I know approximately when it happened this morning. I ran a quick errand, and I either left my card in the building, and someone took it there, or I dropped it in the parking lot and someone picked it up there.
Someone. Someone of questionable moral character who then dropped $100 at a convenience store (that I never go to) about ten minutes later and then and went on a wild spending spree at Wal-Mart (another place I never go to; I’m a Target girl) forty minutes later. This person of dubious moral fiber managed to spend more than $300 that was not his money by the time the credit card company caught on and declined the final transaction.
In case you can’t tell, I’m just a teensy little bit mad. If I found someone’s credit card lying in a parking lot, I’d probably just call the customer service number on the card and notify the company that the card had been lost. Or taken it to the nearest store so they could hold it for the owner to return for it. Would I take it and run immediately to a nearby store and start spending? Heck no. Geez. What is wrong with people these days? When did it become okay for someone to take something that wasn’t theirs? Oh wait, yes, I forgot. This is not a new phenomenon. Human nature hasn’t changed. This happened to me once before…in Nashville, actually, about ten years ago.
I didn’t discover this loss for a few hours. I took my son to the local botanical gardens for an Easter egg hunt, then headed downtown to help my husband with a project for work. When I did discover that my credit card was missing, I raced home and dug out a statement and called the credit card company. Luckily for me, the credit card company assured me that I will not be held liable for fraudulent purchases. They cancelled the account immediately and will reissue me a new card with a new account number. They are also beginning an investigation. Here’s what the Federal Trade Commission recommends that you do if your card is ever stolen. Basically you should do what I did: report the loss as soon as possible.
As for the person who so unscrupulously used a card that was NOT HIS (and was MINE), well, I hope he gets what’s coming to him. Grrrr.