Dreaded Call from Credit Card Company – How to Minimize the Resultant Hassle

Most of us have had the experience … the credit card company calls to say your card information has been compromised, or there have been fraudulent charges. Your card must be cancelled, and one with a new number must be issued. This wouldn’t be a hassle if you never put my card on file with online retailers (think Amazon.com, etc.) or setup recurring bill payments charged to your credit card.

I do both of the above. But after enough number changes, I needed help to remember all the places I needed to go to update the credit card on file. I use Evernote to store most of my need-to-remember information. I create a note for each online or offline account that I have. It contains the username and password (encrypted, of course) for that account, plus any other miscellaneous pertinent information. That includes which email address I used when creating the account, and also the linked credit card. After the credit card number changed twice in the last 30 days, I became consistent in the credit card notation. I started using a code like v1234 meaning the Visa card that had 1234 as the last four digits of the account number. Now I can search my Evernote account for “v1234” and find all of the accounts that I have connected to that credit card.

It is still a hassle to have a credit card account number change, but now it is less so, and I don’t get those nasty messages saying the credit card payment failed and we are about to terminate your services.