We're getting rid of most of our credit cards, hanging on to an American Express (which gets paid off every month) and the Lowe's card for those interest-free projects. My husband also has a card that he uses mostly for gas because walking in to pay cash is a PITA.
His statement arrived yesterday and since I do all the bookkeeping at my house, I opened it. The expected gas charges were there and my son's membership at a gaming site and something else I didn't recognize. It was called TatumHelp.com and they charged us $39.44. I asked my husband what that was and he had no idea. So I went back and found the same charge under other names (GAS.cs.gastex.com and cennethelp.com) with similar but different phone numbers. The "GAS" charge for a couple of months wouldn't have set off any alarms in me, but the one month of Cennethelp and two of TatumHelp with the exact same charge did. Sounds like a fraud to me, especially since they keep changing names and phone numbers.
Darling Man had to call in though, since it was his card, and he proceeded to spend the next couple of hours in a very unpleasant way, talking to people with accents so thick he couldn't understand them and listening to the most horrendous hold music ever. Eventually he wound up with someone he could understand and got the charges cancelled and hopefully a refund (5 months worth!) of those bogus charges. And never did find out what exactly the charges were for.
The credit card company closed that account and will open a new one for Darling Man who really wavered on opening a new one at all. I felt the same way about my credit company that jerked me around and left me with NO MONEY when I went to Korea.
The sad fact is that if you want to rent a car or a hotel room or make a trip by plane, you almost have to have one these days. I know a bunch of you are saying "what about a debit card?" As far as I'm concerned, that's even more dangerous. Someone can clone it and drain your bank account of funds before you even know there's a problem. And you have to remember to save the chits and write them down so you don't wind up bouncing checks (like we did way back when).
As much as I like doing my banking online and paying bills like that, I'm considering going back to paper statements and paying each bill by check. At least then there's a hard copy and it won't be so easy to miss stuff.
Word to the wise... check your statements every month - and question every charge you don't recognize!!!