Holiday Debt Hangover… CREDIT CARD BILLS…
The time to pay up for last years holiday has come around again, but you may have came back from holiday only to find that there a few items on your credit statement that you don’t remember paying for.
The first thing you should do is to contact your credit card company. If someone has illegally cloned your credit card details, you could find more of the same type of credit card transactions on your next bill.
The next thing you should consider is contacting all the providers of the other credit cards that you took with you on holiday. You should let them know that you think that one or more of your cards has been jeopardized and that you will need to have your accounts checked for abnormal transactions. The simplest way is to let them know when you returned back home from holiday and that any purchases from abroad should be thought of as suspicious.
Tell the credit company to cancel any cards that are thought to have had any suspect transactions performed, and instruct them to send you out new replacement cards. It will usually take a couple of days to receive your new plastic, so in that time you will have to use other arrangements to pay using cheques, cash etc.
The credit card company that you use will investigate any suspicious transactions in part to make sure that you didn’t make any of the purchases and just forgot about it, and they might be capable of plotting out a pattern of transactions from somebody that is travelling from region to region while using your card.
You should ask that your credit company send you out an amended account of your transactions and that they don’t ask you to pay on you disputed credit card bills.
One last thing, you might receive some calls from someone who claims to be from your credit card company, and they want to check your newly issued credit cards for security reasons. If they ask for any secure information, don’t let them have it, it could be the criminals calling you, and they know that you have probably been issued with new cards. They do this in an attempt to obtain entry to your new accounts.
Remember; just make sure that you can account for everything on your next bill.
Credit Card Users & Financial Planning