Raising a Red Flag
Someone once tried to use my credit card to book an online trip… my credit card company called me and we had this conversation:
Credit card company: Hello, Mr. Jones, we’ve noticed that the trip to Cancun you just purchased online was slightly over your limit. We’ve gone ahead and bumped up your limit so you wouldn’t have any issues.
Me: Uhh, I didn’t book a trip online, could I get more information?
(Note: I had purposefully kept a low limit because I know if I had it at my disposal, I would abuse it. They had called about 5-10 times asking me to raise my limit.)
CC Company: There must be some mistake, are you sure you didn’t book this trip?
Me: Yes, I’m sure.
CC Company: In that case, would you like to open a fraud investigation into the purchase.
Me: Yes, please.
CC Company: …Well, okay, we apologize. Is there anything else we can do for you today?
Me: Yes, I would like to cancel my credit card right now.
Instead of raising a red flag at purchase over my limit and calling me to inquire about it, my credit card company automatically bumped up my limit without my consent and called me to tell me the good news!
Story credit: Reddit / CaptainMcFiend