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NykP tells us more.

NykP 25

Hi, I'm the OP. For one, I certainly do not have an IPhone, I have an old brick that doesn't have data. Secondly, I actually have my account set up so I cannot be over-drafted so all of the charges got declined and I have already shut down the card. Now my card was not actually stolen, they were just using the numbers. I asked the bank how they could have gotten those and they couldn't give me a definitive answer. They said it's as easy as your waitress could have copied the numbers and is using it online or something got hacked. Thirdly, I have no money because I am just a poor college student. I work two jobs but with the cost of school I have nothing left to keep in my account. I do not have a house, I am living in a little room at my grandparents. I do have a cat, but I buy large bags of food and it lasts him like three months. I do not have any children. I was certainly laughing at the stupid person who would try to steal from me.

kbug95 tells us more.

OP here! Thanks for the support and all. The cardmember was actually really understanding about it. I immediately apologized, but he was really cool. Could have been a bad situation furshur. I'm glad he wasn't a grumpy old man!