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BATAM - For everything is a first time. Yesterday I was SMS-ed from the Netherlands with the request to check my email. No company asked me to do that, but my contact person in the Netherlands which can be contacted by the Rabobank in case it is needed. I checked my email right away and found out that the Fraud Prevention team of the Rabobank had blocked by credit card because they suspected that my card was used by others.
That kind of things only happened if you are away from home and it was no different now. I am in Batam because I needed to arrange some things, and all of a sudden I got some more things to take care of. Fortunately the situation was pretty simple, because the card had already been blocked. I was asked to make a phone call to the same department to check the transactions that were made with my credit card, or a copy of it rather. I tried to call directly, but it was almost ten in the evening already and I had to buy pulsa (credit) first.
They were finished working for the day already, so I had to wait until tomorrow. At around two in the afternoon my time the office would be open again according to the website of the Rabobank; office hours between 09:00 and 17:00. When I made the call I was answered in a correct manner. Since I had already slept a night so I already came to the conclusion that it would not be that big of a deal after all. First it was checked that it was really me that made the call.
After that we checked the transactions made with my card since my last statement. Payments to Indosat, AirAsia, eBay and some fancy restaurants and night clubs in Jakarta were among them and were all correct. The person on the other line was even able to see what kind of company they were, because a name of a PT (Ltd.) I can often not relate to the name normally used for the places.
The first strange transaction was done on September 28 in Bandung. I shopped in a leather shop and spent a total of 1082 euro. A day later I had arrived in Surabaya where I bought parts for a car worth over 1200 euro. I managed to do this while I had left for Batam on September 27, so something indeed was wrong. The transaction in Bandung was approved, but a red flag went up, which caused the transaction in Surabaya to fail directly.
The man on the other side told me that Indonesia is a high-risk area, but he also added that I already knew that after all those years. They can see a lot and that is fine, otherwise they would never have been able to block these transactions. Profiling as it is called with a fancy word. The transaction in Bandung would appear on my statement, but with a compensating transaction of the same amount 'pending investigation'.
They will send me a new credit card - blocked of course - and also have to fill out a form. Only when Mastercard suspects that I was the one making the transaction in Bandung (tickets, ATM-transactions and such in Batam from September 27 are enough evidence) I will have to pay those 1082 euro myself. I am not really worried about that at the moment. Yes, it was a wake-up call. No more credit card for things that are an emergency.
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