Counting My Pennies

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Another benefit of budgeting

July 30, 2012 By Megan Smith Leave a Comment

I keep an electronic budget, but I don’t always enter all of my credit card transactions right away.  At least once a week (typically on Saturdays), I log on to my credit card account and download all the transactions and review them individually, placing them into categories.

And this weekend, I found a transaction that wasn’t mine.

Someone used my credit card number to charge $100 worth of Starbucks gift cards.

No worries – I called Chase and told them what was up.  Immediately, my card was canceled and a new one has been shipped to me.  I don’t know how my number was acquired, but I’m not too worried about it.   But this revealed a flaw in my plan.

I have two main credit cards.  One is used for all of my auto-billing.  It pays the cable bill and the insurance bill, etc.  And the other card is my “everyday” card.  No, I don’t use it daily, but it is the card I use for all of my other purchases.  Except at some point, I fell off this plan and had a few revolving payments hitting my everyday card.    Which meant that I had a few accounts to change since the card was canceled.

But I keep good records, so it wasn’t too hard to fix.  Let’s hope this was just a small blip.

Filed Under: credit cards

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