Intro
A lost credit card. Or was it misplaced? Months later a whole bunch of “modest” charges appear all at once, a couple days after a few lower-value test charges were made.
Thank goodness I had the presence of mind to lower my alert limit on transactions from $200 to $50. I was not too late to have all the charges disputed despite the test charges being two days old.
I do not know how these charges were created – what is Google/Walmart or Google/Target.
I can guess how my address was matched to the card – it’s a sufficiently uncommon last name available from simple public records.
Conclusion
Well, now we know the card was lost or stolen, not misplaced. After all these years that’s the first time that has happened to us. We will not be responsible for the disputed charges.