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Posts tagged with: charge

No Food, No Cash, and No Active Accounts…

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Even though we promised not to, my husband occasionally surprises me with a gift on our anniversary. He’ll usually save a small amount of cash from his second job and buy something really thoughtful and sweet. This year, he purchased something but was unable to pay cash for it since it was out of state. He didn’t want me to see where the gift was coming from so he went to Western Union and put it on our debit card.

What he didn’t know? Transactions from Western Union automatically shut down our account for possible fraudulent activity – even though the charge was less than $100. No charges, no cash out, AND no online access. I didn’t know why the account was shut down and I couldn’t check the transactions online.

Being the naturally calm, level-headed person I am, I called my hubby to tell him our identities were stolen, we were destined for a life of poverty because of a thief, we wouldn’t be able to buy food for weeks, and we’ll die from slow starvation.

Accustomed to my overreacting downward spirals, he hung up on me, called the bank, and had the whole thing sorted out in less than 5 minutes. BUT, it would take them 24 hours to turn the cards back on and enable online access. Normally, this wouldn’t be a big deal but since this week is payday, our cash grocery fund has about 12 cents and the fridge is empty.

Dinner tonight? Pita bread and tomato soup. Breakfast tomorrow? Pita bread and tomato soup. Lunch tomorrow? Pita bread and tomato soup.

It’s going to be a long 24 hours.

Lesson learned? No more Western Union.


The Rebate with Strings…

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After months… OK, over a year… of delaying the inevitable, I finally caved and bought a new cell phone. My phone is several years old – which in cell phone years equates to centuries. I would have kept it, but when the reliability of actually being able to make calls sinks under 50%, it’s simply time to move on.

I went into my local Verizon store and pulled out my phone to show the salesman the level of phone I wanted – aka, a cheap one. He looked at me, looked at my phone, and then replied, ‘They don’t make phones like that anymore. Exactly how OLD is that thing?’

He was incredibly helpful and walked me over to the section of phones that don’t require data, internet, or gps plans. He didn’t pressure me to purchase accessories and helped me choose a phone that worked for my um… ‘discriminating’ taste. Some like to call it cheap, but I think ‘discriminating taste’ sounds more refined.

My phone was ‘free’ after a mail-in rebate.

Today, I received my rebate – a Verizon Visa card. Sure I can use the card anywhere Visa is accepted but what happened to the good ol’ days of checks I could cash? Now I have to figure out where in my budget I can use the card and try my best to spend it all at once so I don’t have to keep a record of how much is left on the card. If I only use part, I have to record the amount remaining and charge the exact amount on the next transaction, otherwise the card will be declined.

They make it nearly impossible to complete the rebate submission information correctly and now spending the rebate will be equally as difficult?!?

It’s a good thing I have another 5-7 years before I need a new cell phone.