The case of the frozen credit card

I am a simple person when it comes to credit cards. I have had one personal one with the same credit card company for many years. Has always been an extremely amicable relationship on all sides. Then, out of the blue, a new credit card arrived on my doorstep. Now it just so happens that I’ve been in the throes of buying all that is needed for a new bathroom and using aforesaid card somewhat heavier than usual – but have room to negotiate on credit limit so think nothing of it.

Am in local petrol station when normally friendly lady abruptly turns savage and points out card machine says to phone merchant. Instead of her being helpful and doing so, her temper – and the growing number of restless people behind me – result in me using business card instead. I ring card company when back at office and am told it is just a routine security check because of high level of activity on the card and, after a tedious wait, I am in business once more. Think nothing of it. Indeed, when a letter arrives from them on Saturday, assume it has crossed in the post and throw it straight in the bin.

Today sees me back in petrol station and to my – what is now – extreme embarrassment, once again card will not go through. This time, however, when I ring, I am told that they are very sorry but the gentleman I spoke to before “made a mistake” and my card is actually frozen due to fraudulent activity. I am assured at some length that, as a valued customer, a card will be expressed to me in next couple of days and I should not worry because no transactions have gone through. Given I have put a fairly large number through myself, I’m not feeling especially reassured. Am also left wondering whether the whole thing was a banker’s error from start to finish, then I think: "Banker’s error? Surely not!"

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