Today I found out how truly lucky I was on Saturday night.
When I got into work this morning, I called and filed a police report for my stolen drivers license. I knew I should call and check up on my credit card and debit card, but I just couldn't do it. I was too nervous. I thought I had cancelled the cards quickly enough, but I couldn't be sure. And once I called and heard the fraudulent charges, there was no going back.
So I waited until the afternoon, and then I couldn't take it anymore. I started with my credit card company. As expected, the woman asked me to verify my last purchases.
8:40pm, Saturday, November 22nd. $1,544.19 at Target in Chicago. DENIED.
I nearly wept with relief. That was the only fraudulent charge and it was denied. Thank God. I had cancelled my card only 25 minutes earlier. I would have loved to been at that Target to see that smug little thief get rejected.
So that was that. I was lucky.
I checked in on my debit card online and it didn't look like there were any fraudulent charges, but my intuition told me to call my bank anyway. And after this weekend, I know to definitely trust my intuition.
So I called my bank and the woman told me my card was cancelled, but she still had to verify my last charges.
$25 at BP. Rejected.
$150 purchase. Rejected.
$275 purchase. Rejected.
ATM attempt $100, incorrect PIN. Rejected
ATM attempt $200, incorrect PIN. Rejected.
And there were about five more attempts to get my money—all of which were rejected. They were ALL within a 50 minute window, and all only mere minutes after I cancelled my card.
By the time she finished reading the charges, I was shaking. I had never felt so violated in my entire life. I couldn't believe how far those people went to try to get money from me. It's so wrong and it makes my heart break a little that people could be so dishonest.
At the same time, I realize how incredibly lucky I am. If I hadn't listened to my gut right away, the thieves would have been successful. They would have completely over-drafted my account and ruined my credit. And if the manager of the bar hadn't let me use his computer to find the right numbers to call right away, they would have succeeded.
I am so lucky.
I am going to call that manager tomorrow and thank him profusely for his quick thinking and kindness. I can't even imagine the state I would be in now if I hadn't acted quickly...