how long have u been using true card?

potential earning from your future lapse in cc repayment

CC CL already granted to you anyway. you either utilize it via card spending or bank offer cash advance (0%). either way, bank still havent lose money yet, but you're already in their "debt trap".

if you're good paymaster, you repaid everything. nobody lose.
if you're bad in repayment, bank gain from all the fees they impose to you.

maybe the words you used is a bit confusing for us to understand better

1. unauthorized txn happened and triggered notification. <-- this is the 1st step of payment charging. it is just an attempt to charge. it will be at pending/floating state. issuing bank CANNOT stop it, they must authorize/receive it first ... unless it's outright fraud/non legit txn which already flagged upfront

2. CS said "Need to monitor statement see if it's being charged" <-- yes, if the txn is valid, no dispute/complaint, passed all checking, the merchant will attempt to "Settle" the transaction. Most issuers have the ability to prevent the txn from being Settled/posted into the account, by flagging it with some 'suspicious/dispute/fraud' status.

3. fraud transaction will be left unattended/untouched by fraud merchant, until the transaction expires. and your cc account will not see the txn appear in your statement (because it's not posted).

This post has been edited by cybpsych: Jul 22 2025, 02:56 PM