20 cents issue!!



I think more or less I can confirm that the one of the staff from the fashion retailer has taken my credit card.

Why do I say that?

First, I visited the shop only on 12th Oct made one purchase with that merchant of S$35.00. Yet my credit card statement reflected two lines of transactions as follows:

12th Oct CXXXXXXX Singapore S$35.00

14th Oct CXXXXXXX Singapore S$ 0.20

14th Oct, I called my card centre and reported loss card. I only aware of this 20 cents transaction on 20th Oct upon receiving of my credit card statement.

Before I made this statement, I actually thought of :

Scenario A

I may have forgotten to take back my credit card after I paid for my original purchase dated on 12 Oct of S$35/-. Two days later, the staff there who held my card was trying to test whether my credit card is still valid or not, and they just try to deduct a 20 cents from my card. (This is the only reason I can explain why my Credit Card statement is showing additional line of transaction dated 14 Oct of S$0.20)

Or maybe

Scenario B


I dropped my Credit card after I made my purchase.

But I would rule out Scenario B is because,

if someone really picked up my card, what a coincide she return back to the same shop that I had visited two days ago!!

that day when I visited that shop the lowest value item was S$5.00.

if that person who picked up my card really go back the same shop that I had visited, do you think any merchant accept any purchase of S$0.20 item by Credit Card? (anyway, I had confirmed with the merchant on yesterday that, the minimum amount able to pay by VISA card is S$5.00.)

I don’t think without my card, the fashion retailer’s staff able to perform any transaction.

So I suspect that the staff there just wanted to try whether my credit card is valid or not by key in a 20 cents item, and the transaction went thru….


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