credit card unauthorized transactions

Philippines
September 26, 2007 1:48am CST
Did you find yourself one day receiving your credit card billing statement reflecting unauthorized transactions? It happened to a friend of mine. She was just bragging to me the last time we talk that she was about to clear off all her credit card debts. Then she was surprised to receive her billing statement and an unauthorized transaction amounting to P19,000 screaming out right in front of her. Wow. How could this be when she claims that it's impossible someone used her card because it was not even stolen? And she did not do the shopping herself. In her case, what will you do when after sending the issuing credit card company that you will not pay for it and then the company will insist that it is a valid transaction?
2 responses
@archer1811 (1098)
• Philippines
27 Sep 07
Well, she have the right to complain it to the credit card company. If ever this thing happen to me i would probably request for the merchant copy of the trasaction held in my credit card, if im not the one who used it then, of course i have the right not to pay for it and request for the termination of the card. Beside there are no people put in prison in not paying their credit card bill. And if they refuse to do it i would fight for it until the truth comes out and after that I will request for the termination of that card in their company because of their negligence and this just means that they dont have the security protection for their credit cardholder.
• Philippines
27 Sep 07
Yes, you've got a point there. I was also wondering why someone could get away using your card to establishments when you have the original card with you. Could it be that someone duplicated your card and tried to copy your signature too? What will you do if upon scrutinizing the merchant's copy, the signature looks exactly like yours?
@luzamper (1358)
• Philippines
14 Oct 07
I already heard some who narrate similar instances. the amount is big so let your friend file the report even to the police and return or let the credit card be canceled for it might even accrue more interests. If your friend did not really use that, then she should not be held accountable.