@AndySoCal wrote:@ambivalent I would not worry that much over the zero dollar pending charge. When you make a debit or credit card charge the merchant will send a pending charge notice/ request to the credit card company or bank. This usually was the dollar amount of the charge. Sometimes but NOT ALLL due to system / user error you will see a zero dollar pending charge. Pending charge will not stay pending for a very long time time usually a day maybe two at most before the the charge is posted to the account. The exception is on the weekend ofr pending charges.
All that said, the part of your post that concerned me the most was that email. The threat to sell that information would most likley would have been sold on Dark Web ( I have post on Dark Web on the forum). If it makes there look out. If the '"seller" has your email address and a card number what else does the "seller" have is a concerning question. I would lock credit cards and credit reports. Change passwords where possible. Those that do business on Dark Web have zero ethics they are about $$$ only.
Here is an example of fraud that I would associate to Dark Web. There are more than this one that happen but this happened to get the media's attention. There are plenty more that do not.
The thing is that I hadn't used the card, so nothing should be pending. I have no recurring charges on it. It is my most frequently used card because of the 2.5% cash back, but I haven't used it in the two weeks since I made my Costco purchase.
I have changed my passwords. I am forgetful (especially when you need 8-500 characters, 2 numbers, a capital, 5 special characters, no same two characters in a row, etc etc...), so they get changed often. I will take your advice and lock my reports. I requested a new USAA card and will also request a new NFCU card. The address they noted is old, so the zip codes wouldn't match, but IDK how these scammers work. Thank you for your input!
