Earlier this week I thought my credit card had been hacked.
Here's what happened:
- We were up late because Gary had wanted to finish binge-watching a show we'd started, but I wasn't interested in it. (Fairies! Centaurs! Magic! Snore.) I had some coffee so I could stay up with him. It was the first caffeine since last Christmas, I believe.
- While plodding through the last episode of the Fairy Show, I got an email from the credit card company saying that I needed to go online and change my auto-pay so the cable company and the trash company would know to use the new card they had sent me. No one sent me a new card. I didn't request a new card. Clearly a Nefarious Individual had hacked my password and requested a card in my name.
- I remembered a Nefarious Individual recently sent me threatening emails claiming to have my password.
- I went online and stopped the card with some new quick stop button. I checked the balances and saw that my card was transferring money over to another card with a number I didn't recognize. Little amounts, mainly under $40, but dozens of them. Nefarious.
- I then sat on this information, even though I could no longer concentrate on the fairies, because Gary was quite into the fairies and I didn't want to freak him out with twenty-first century realities.
- The show finally ended. Gary called the credit card company on speaker, and we explained the situation to a fast-speaking help desk person. She said she had no record of my card number in her system (clearly because Mr. Nefarious had cancelled it). She kept having to check on things, and promising to give us a better credit card somehow, and then suddenly she came back, said a lot of things very fast, and Gary said "Ohhhhhhh, thank you, goodbye," and then he hung up.
I was in a state. After talking to yelling at Gary and calling another, slower help desk person, I found that it was the credit card company who was nefarious. They were “upgrading” me to a new better card with a different number. I had gotten a letter about it a few weeks earlier, to which I had said, "Well, they can't just do that." Crumple, trash. There had been a message on screen that said “your card is being converted,” but I assumed the Nefarious Individual was converting the funds to his own account.
The upgrade, incidentally, means that the card name ends with "Elite", I can use the airport Admiral's Club, and I no longer get double miles auto-paying my cable bill. No doubt that is what prompted all this.