Paypal Rocks! They Just Saved Me From a Ripoff
I have a Paypal debit card that I use once in a while. I've had it almost a year and used it without any problems. Today, I decided to go to McDonald's and buy some lunch. The total came to about $5, so I decided to use my Paypal card. I've used it there successfully before so no big deal. Or so I thought. I swiped the card and the machine said "Not Approved."
Okay, I swiped it again thinking maybe I'd swiped too fast or something. "Not Approved" again. Hey, what's going on here? It made me a little nervous because all these thoughts go through your mind - has my account been flagged for some reason?
Anyway, I paid for lunch with another card and went home. Logged into my Paypal account and everything seemed OK. I've got some money in there - certainly more than enough to cover a $5 lunch.
Next, I went online to see if this kind of thing had happened to others. Found some people who had the same issue. What happens is that Paypal puts a security hold on your debit card and you have to call the number on the card to take care of whatever issue that is making them concerned about your account.
When I got "Monica" on the phone she was extremely nice and helpful. Monica told me that someone had tried to use my debit card number for some transactions. In fact, there's currently a transaction for $0.02 in process, which is why they put an automatic hold on the card. Thank goodness they have this policy, because when she read the information they had on those transactions, none of it was anything I had initiated.
Monica told me that they would need to issue me a new card. She walked me through the easy process of deactivating my current debit card. Assured me that if that two cent transaction goes through, they would do an immediate chargeback - Yay! Once the crooks do one successful transaction they'll go for bigger amounts next time.
Don't know how those thieves managed to get this card number, but they did. Goes to show that you never know when this kind of thing is going to happen to you.
Paypal is sending me a new card, which I'll get in a couple of weeks.
Phew! Dodged a bullet.
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