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credit card transaction
i used my mom's credit card to participate in some bargain offers on chooseyourcolor.com, i only needed three more offers to partake in receiving a free laptop(once signed in as a member). i assumed this was a trusted site because it's different than the usual fraud websites. now i'm not so sure because when i was about to make another transaction, the bank rejected the credit card. i'm scared now because now i'm wondering what if more than i agreed to was taken out of my mom's account. she'd kill me and i don't want to disappoint her to that extent. it's bad enough that i borrowed her credit card without permission. i just really wanted that macbook and it seemed so easy to get that i couldn't resist. hindsight is always 20 20 exspecially when there are consequences. i don't know what to do, what to tell my mom. i walked in on her talking on the phone with the credit card in hand. i left the room but it sounded like everything was fine. of course i have no idea what the conversation was about, so that doesn't ease my anxiety. i need some answers.
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It sounds like a scam to me. Just talk to your mom about it ASAP before its too late for the bank to do anything about it.
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chooseyourcolor.com as a trusted site? Well, let's see:
---You must sign up for a total of six offers--two from each tier of offers: top, prime, and premium).
---In its Privacy Policy (at the bottom of the page), it stated clearly that it will SHARE your information with its partner and SPAM YOU WITH ADVERTISEMENTS.
---Also in its Privacy Policy (at the bottom of the page), it stated clearly that the product that it send to you may NOT BE AS YOU EXPECTED.
---And do you need me to point out the ridiculous points in the Terms of Service, too?
Doesn't sound very good to me.
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Anyway, just for the sake of convenient, I just went through the offers myself and see what is in store for you. Well, here they are:
Remember when I said that you have to sign up for a totally of 6 offers--2 from top, 2 from prime, and two from premium?
Well, all of the offers in the premium section cost over $900 USD. That's right! Over 900 US dollars.
****That means if you had completed all 6 offers, you would have spent ABOUT $2000 USD.****
All right, now take a look at the real price of the MacBook Air: [Link](Mouse over link to see full location)
The MacBook Air cost just about $1800 dollars.
Is this enough proofs for you that the site is a scam?
Remember: On the internet, if something seems too good to be truth, it probably is. Don't believe them.
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And about the credit card, I don't know. I have a fake credit card to use for "fun" (yeah, really "funny" stuffs, hehehe) so I've never run into these kind of trouble. Not to mention that I don't believe in these "too-good-to-be-truth" kind of offers.
If you feel guilty enough, and you have enough courage, then you should tell your mom about this and let she speaks with the bank, and they'll do something about this.
But do you have the courage to do that? I mean, after all, you did stole her credit card and then, like a moth attracted to a fire, you fell for the scam. It would be really difficult so . . . sorry, I don't know.
But hey, looking at it on a positive side: you've learned your lesson. And you won't make the same mistake again in the future! We learn from our mistakes, don't we?
Wish you luck,
=)
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im not going to give you a talk about how you should always ask your mom for permission to borrow credit cards, it seems as though you have learned your lesson (or so i hope.) anyway, you need to go to the main website link you gave all your information to, and start reading. look for a telephone number that you can call for some help and information, almost all websites have them. if you post the website link on advicenators, or post to my column, xosodapopx3, then i can help you look for numbers. also look for emails they can give you, and other methods of contacting the company.
It would be easier to just tell your mom now what you did, just in case it is a fraud, it would be much easier now to to have her insight on what is going on, and could better handle the situation.
also, make sure you read any user agreements they give you to check off on, or any terms of service. if the print is small, its mostlikely very important.
call your credit card company to verify your transactions.
it will be okay, if you need any more help, you can ask me, xosodapopx3 . good luck!!!
edit:
i just read over the website, and like the person with the above response, it is a complete scam. everything they said is true about the website, i have verified that. im sorry for what they have done to you, but you might not be in all that much trouble yet. try to find out information from the credit card companies first, then take it from there
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