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Credit Card Replacements
How Many Credit Card Replacements Should You Get before Being Denied?
My dad (he has dementia) should not have been trusted with a credit card once it was apparent he was irresponsible.
He gave his card number over the phone to many scammers and many fraudulent purchases were charged. Many were for thousands of dollars like for a boarding school in London.
He let a person use his card and she went on a spending spree with his card, even ordering a huge smart TV to be delivered to her place.
Dad would call when he saw a fraudulent purchase and ask for a replacement card after canceling the one that he had and also reporting the fraud.
When Dad got a new card, he might forget to activate the new card, try to use it and it would not work, so he’d call I fraud again because the new card didn’t work.
Sometimes he would get a new card, set it down, and continue to try to use the canceled card in his wallet. So, again he would call and ask for a working card.
Sometimes he would try to use the card and instead of a 4 digit pin, he would enter the 3 digit security code on the back. Because there were not enough numbers, in addition to being wrong, the purchase would not go through, so Dad called for a new card.
The perplexing thing about the cards being sent to Dad is that they kept sending them, no matter how many times they should have stopped.
It becomes an enabling situation when they just replace the cards. I took more than 30 of the cards from Dad’s place. There should have been a flag on his account, and probably closed his account. How many card replacements are reasonable? I think he should have had the card account closed before running up more debt and bills.
Each time the card number changed, he should have let the companies he was making automatic payments from know the new account to charge. Dad did not, so his automatic payments bounced.
The credit card company should take responsibility for the ongoing card replacements and getting my dad further and further into their debt. Credit card companies need to be more proactive with screening clients.
PR
