Yesterday we had a healthy dose of both.
We are about to leave for an 18-day vacation that is the good luck part – his parents gave all of their children a Greece to Turkey cruise. As we were packing, we got a phone call from the credit union, asking if we’ve been making charges throughout Mexico. Nope, someone got ahold of my credit card numbers. Bad luck.
If you’ve ever had to have a credit card re-issued, you know it takes a few days. We don’t have a few days. We are leaving tomorrow. Bad luck.
But here is where good luck comes in again – I happen to have both a Journey Card (that I use to rack up airline mileage) and a Passport Platinum (that I use when I want two-fers at nice restaurants).
All I had to do was ask someone at the credit union to transfer the limit from the blocked card to the good card and we’re good to go. I happen to work at the credit union, so it was extra speedy for me. Good luck.
Someone in the branch told me that he often sees people who open two checking accounts for this very reason. If one gets compromised, they can quickly transfer money into the account they already have and not skip a beat. When he told me that, I thought it was a bit much. But now I’m not so sure. There is something to be said about having an account at the ready that you can use should something happens.
Because inevitably, those things happen just when you really can’t afford it (like the day before you leave the country!)
Having two credit cards or a Ready Money could be a really good back-up plan – for when bad luck of any kind strikes.
But back to the good luck part – if you have a checking account with the credit union, you automatically have free ID Theft coverage. That is very good luck. Because if someone messes with your identity, you want to have all the immediate assistance you can get. We’ve had great feedback from our members who have used it.
And now, my friends, I am off. Let’s hope this is the end of my bad luck for awhile!
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