I noticed a pending charge appear on my credit card today, and I definitely did not use it. The kicker is, it is from a venue that I was at way back in January. For the life of me, I can't remember if I paid with a credit card or cash, but it was at a milkshake stand. The $12 pending charge sort of makes sense (they were $4 each) if I would have used my card, but I have no idea if I gave my card or not. My wife thinks we paid cash.
Anyway, since the charge is showing pending, I can't see all the information (such as online purchase, etc.) Should I wait for it to complete before calling BoA, or call in while it is pending? If I call them tomorrow while it is pending, will they be able to pull more information about the purchase? I'm wondering if they would be able to see a transaction date that started back in January. If it is a new charge, and no evidence shows it is from January, do you believe I'd be successful disputing this charge?
@blindambition wrote:
@TSlop wrote:I noticed a pending charge appear on my credit card today, and I definitely did not use it. The kicker is, it is from a venue that I was at way back in January. For the life of me, I can't remember if I paid with a credit card or cash, but it was at a milkshake stand. The $12 pending charge sort of makes sense (they were $4 each) if I would have used my card, but I have no idea if I gave my card or not. My wife thinks we paid cash.
Anyway, since the charge is showing pending, I can't see all the information (such as online purchase, etc.) Should I wait for it to complete before calling BoA, or call in while it is pending? If I call them tomorrow while it is pending, will they be able to pull more information about the purchase? I'm wondering if they would be able to see a transaction date that started back in January. If it is a new charge, and no evidence shows it is from January, do you believe I'd be successful disputing this charge?
I would call. I don't even think they can legally charge you, some 7 months later.
Thanks for your input. I'll definitely call while it is pending, then.
@TSlop wrote:I noticed a pending charge appear on my credit card today, and I definitely did not use it. The kicker is, it is from a venue that I was at way back in January. For the life of me, I can't remember if I paid with a credit card or cash, but it was at a milkshake stand. The $12 pending charge sort of makes sense (they were $4 each) if I would have used my card, but I have no idea if I gave my card or not. My wife thinks we paid cash.
Anyway, since the charge is showing pending, I can't see all the information (such as online purchase, etc.) Should I wait for it to complete before calling BoA, or call in while it is pending? If I call them tomorrow while it is pending, will they be able to pull more information about the purchase? I'm wondering if they would be able to see a transaction date that started back in January. If it is a new charge, and no evidence shows it is from January, do you believe I'd be successful disputing this charge?
It may be a fraudulent new charge, rather than one from January. Your card may have been 'skimmed'. If I were you I would attempt to dispute immediately.
Typically, you need to wait until it posts before you can dispute. But cap1 let me do it while pending so it doesn't hurt to call.
I called while it was pending, and they (BoA) couldn't tell me anything more than what I could see and recommended I call back again after it posts. I called back after it posted, and they credited my account. Besides being on hold for 45 minutes.... easy peasy. If another charge pops in, I'll have them reissue a new number/card.