Overlimit due to aunothorized charges- what to do?
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Last month I visited a strip club and used my card to pay for charges.
Next morning i have $6300 worth of charges on it!! I was only there myself for 2hrs- unforutnatly i was totally wasted and cant rememer the night or what i have signed for :(
As a result, my citi credit card which has a limit of $3500 currently is $4800 over the limit! HELP!!!!!
I cant get unsecured loans as my credit history is too short. I have already disputed the charges, but if i did sign the reciepts and hence liable what is my best solution. I have no other debts...
Thanks for your help
Overlimit due to aunothorized charges- what to do?Not only check to see if you had signed the receipts, check to see if any extra charges were added - tips etc that are not in your handwriting.
It's not unheard that whoever waits on you will bump up a tip or add one if there you don't put one on there. Especially when you give them the perfect opportunity since you either cannot hold your liqueur or drink so much that blackouts are a recurring thing.
I'm not saying that all waitstaff are like that, but there are a few that are.
Next time you go to the strip joint or any bar leave your credit cards at home.
As for what you can do "if" the charges are legit, I dunno. Maybe try to work out a payment plan with the credit card company.
It sounds like you have more of a problem than just financial.
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