Although I hear about credit card scams and fraudulent transactions gone haywire in this part of the world quite often, I’ve never really given it some serious thought.
Sometimes I feel wary when some merchants would request me to send them a copy of my credit card (back & front) and I wonder what really goes on when I hand that card over and it’s taken away, out of sight whenever I pay the bill in a restaurant or what happens when one uses the card frequently for online transactions.
I wish I have been more cautious but really, how does one make sure that the details are kept secure. It’s not like I have eyes stuck in every credit card transaction.
A week ago, I was surprised to see some alien transactions on my card and have verified with my bank that yes, I didn’t teleport to the US of A just to buy supplements and drop by at the MET museum in New York. I’ve been slaving off here in Dubai the week the transaction occurred so nope, that wasn’t me.
A couple thousand of Dirhams were charged on the card before it went over the limit. Thank the heavens I’ve stubbornly insisted to my dear husband that we maintain a low credit limit thus preventing the fraudster to go on a spree, courtesy of yours truly.
Well anyway, I now have to go through the boring dispute process which takes like 49 years to be resolved! I mean, why can’t they just pick up the phone speak to whats-his-face in Bank-of-wherever and just credit me back already. I give it 2 or 3 days max to make that 2 mins phonecall. Life should be simple that way, yes?
But of course, in reality, whats-his-face first gives you the form, you send it back to him, he sends it for approval, it will be sent to gazillion departments and be pried over by thousands more before they can confirm that the customer is right. Teleportation has not yet been invented thus this transaction is fraudulent.
Whew. So for the meantime, I’ll have to wait for the provisional credit amount which is probably lost in someone’s inbox and delayed because the person is probably on shortened Ramadan timings and will soon go off on EID holidays.
Meanwhile, I sit tight and wait for my replacement card only to discover that another transaction that we were promised to have been cancelled had just gone through on the card again erroneously.
Lordy. Another dispute form in Department Whatever