A couple months ago, right after returning from our 3-week vacation trip, I had a call from the folks at Discover Card asking me if some recent purchases on my card had indeed been made by me. They had NOT. (I wrote a post about it at the time.)
Discover said they thought not, and immediately suspended my account while they assigned me a new account number and issued me new cards.
All of this I greatly appreciated! Hey, it’s nice to know that they have methods on place to catch credit card fraud long before the credit limit on your card is reached. Or exceeded. And since I had not lost or misplaced my cards, I had no liability to pay for any of the fraudulent buys.
Why am I telling you all of this? I don’t know. I forgot.
Oh, yeah! After my post yesterday bragging about doing all my Christmas shopping on the internet... (If you haven’t read it, scroll down. It’s a pretty neat poem, if I do say so)... Anyway, it happened again.
No, wait! Not the fraud. But today Carol got a phone call from Discover checking on the flurry of internet purchases made over the last 2-3 days. And do you know what kind of merchandise we purchased that raised their suspicions?
We bought——wait. I can’t TELL you what we bought. Some of the people who we were buying gifts for read this blog!
Darn. Well, I’ll just say that the purchases included items of apparel, appliances, and a few kinda neat, eclectic things. Stuff we don’t ordinarily buy online.
Discover must have some kind of sophisticated computer program that analyzes routine purchases and creates a “user profile” for each cardholder. Then if all at once your purchases don’t match your profile, DING! A red flag pops up on somebody’s screen somewhere.
Pretty slick, huh? I’d much rather get that telephone call than a bill for thousands of $$ on stuff I didn’t buy!
This sort of “identity theft” worries a lot of people, but not me.
I’ll still know who I am!