Submitted by [deleted] in axolotl (edited )

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theremedyman wrote

I'm at like 300 grand + on this. I used to be rich so had large credit limits. Eventually the banks will kick you to the curb. But yeah, biggest come up of my life.

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GoodOldWorkingClass wrote

I was gonna say, 300K in credit card claims? What the hell did you buy on credit? A house?

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theremedyman wrote (edited )

no, it was done over a couple years. The banks finally cut me off when I couldn't pay my minimums. But I disagree with one above comment, I believe it's better online unless you're masked up and leave your phone at home. Also, never sign for something. Let the doorbell ring. They'll leave it at the door usually. Otherwise, have it delivered somewhere else. Idk. I never got in trouble for it and still do it today but now it's debit cards only so it's my money and not the banks. So I can't buy anything huge cuz I don't have the money.

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GoodOldWorkingClass wrote

Yes, I get it. Of course it was done over a period of time. 300K is hard to spend in one day unless you're buying real estate.

What I was trying to say is that I'd find it hard to spend that much online for what I would normally need to buy on a day-to-day basis. I lift almost all my food and clothing. About the only things I need to save my money on are the gasoline in my car tank, my rent, my taxes, and my utility bills (phone, internet, etc); these aren't exactly liftable, nor can they be bought online with credit cards.

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[deleted] wrote

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theremedyman wrote (edited )

Yeah well I became addicted to meth. So in the end I left owing the banks over 200 grand and the IRS over 400 grand. So I imploded. Would not recommend. Just do it on occasion; like a few times a year. Make it online as it's harder to prove against you. And use websites you don't use. Like don't burn Amazon cuz they'll ban your account immediately and there's other ways to burn Amazon. Make it worth your while. Like a very lArge purchase. The banks will side with you bc it's not their money. The seller pays. So don't burn little guys on eBay. They are one of us. I did several that were over five grand and once ten grand. Depends on your credit limits. And resist the banks offer to alert you to every purchase. It's usually in your best interest but not if you're playing tricks.

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atusim wrote

go for it....the credit card dealers have transactions in the billions of dollars...they really dont care about a few thousands..

there is 1 problem in that a police report of the missing wallet may be asked by the companies...

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GoodOldWorkingClass wrote

And ... speaking of problems with this sort of thing, here's a REAL problem: it's becoming harder to make these "unauthorized charge" claims because now more and more banks are using two-step authentication, at least for online purchases.

For example, here in Canada, with cards from the big banks, it's not enough any more to just enter the credit card number, CVV code on the back, and expiration date in online order forms. Before the bank can authorize the charge, they'll send you a text to your phone, with a six digit code they want you to enter in the pop up window of the online form.

If your bank hasn't started doing this yet, count yourself lucky, and count the days you can still get make such claims.

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GoodOldWorkingClass wrote

there is 1 problem in that a police report of the missing wallet may be asked by the companies..

It's not a problem at all. Go ahead and file a police report. It means absolutely nothing beyond filling out a few forms with information they have no way of verifying even if they wanted to. Trust me, I've been through that myself. I've filed a report for genuine theft of my wallet and I can tell you that cops are NOT gonna act on it. There's nothing for them to go on, for one thing, not to mention that it's so low on their priority list, they almost never bother acting for something this trivial (to them).

A report is just that, a reporting of facts, and it just gets filed away. It's not a sign the police are acting in any way, shape, or form.

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