The annoying DISCOVERy

Why, if someone else had my card, did she make only that one purchase?

As I have noted, I love using my DISCOVER card. It was the first bank credit card I ever owned, back in 1986. I had a few store cards, notably Sears, before that; in fact, Sears and DISCOVER were once linked financially, but I don’t believe that’s still the case.

DISCOVER is cool. They send me an e-mail saying: you want 5% cashback on this category of purchases for the next three months? Sure! They make it easy, whereas some credit card companies put you through hoops in order to get rewards. When I go to Amazon.com, usually for gifts, I often use the DISCOVER cashback feature, which can be posted automatically.

I went to Radio Shack to make a purchase on January 17 of just under $20, and of course, used my DISCOVER card. My notification to pay my bill came in late February, due on March 10, and it seemed high, but I didn’t actually look at it until the week it was due.

Included was a charge of $163.04 for Radio Shack on January 28. I didn’t remember going there a second time, so I called the store. I was told that among the purchases was a BluTooth; since I’ve NEVER owned a BluTooth, I KNEW instantly these weren’t my items.

Here’s the weird thing, though: BOTH Radio Shack purchases were allegedly made by a woman named… let’s call her Toodles. Now I DID make the January 17 purchase; I remember climbing over a snowbank to get to Westgate shopping center.

The other thing is that the purchaser had the card. Because I have been a customer so long, I have this 25th-anniversary card, as well as the regular one. I must have used the anniversary card there, then the regular card with my subsequent purchases. Bad form on my part.

So I call DISCOVER, explain this all a couple of times. The guy in the fraud unit is as puzzled as I that the $20 purchase that I acknowledge making is attributed to Toodles.

One of the things I was required to do was make a police report, so when I got home, I called the non-emergency number, and two policemen came over to my house. I gave them the information, and I could tell they were a bit suspicious of ME. Why, if, in fact, Toodles had had my card, did she make only that one purchase? I couldn’t answer that, of course. Guilt? Fear of getting caught? How the heck do I know?

I was without my DISCOVER card for less than a week, from March 6 to March 11, when the replacement cards arrived in the mail.

That previous card I had so long actually had memorized the sixteen digits. I’ll miss you, old DISCOVER card number. Yikes, I had to contact the cable company, because the autopay went on my old DISCOVER card…

DISCOVER card rediscovered me

I felt – dare I say it? – VALUED by a credit card company.

Late last year, I got a call from the DISCOVER card people. I was asked if I wanted to get a 25th-anniversary card. OK, sure, whatever, and didn’t think about it.

Then a few days later, the special monogrammed card arrived and I had to call the toll-free number to get it authorized. Instead of the automated service, though, I was transferred to a customer service rep, who thanked me for having a DISCOVER card for a quarter-century. She noted that, in the early days, not a lot of businesses were accepting the card, so lots of people weren’t carrying it. I noted that Sears, where I did a lot of my shopping in the day, was one of them, which was a prime motivation. We had a nice 10-15 minute chat.

I mean, I know she was working off a script, but it was a really good script, and she used it quite well. She signed me up for whatever cashback plan I was eligible for that quarter, which quickly paid off when I shopped online for Christmas.

I felt – dare I say it? – VALUED by a credit card company. Given the number of cards I’ve had and canceled in the interim, because of the ridiculous interest and/or fees, I’m surprised that I’ve had ANY card that long. I guess they didn’t do anything to tick me off. And I guess, in my own ungenerous way, that’s high praise.

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