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The case for being Vigilant.
Yesterday my wife noticed a couple odd transactions in our bank statements. There were two pending amounts for $26 each but the card details didn't match ours. While talking to the bank help line, they said it was a card that was issued to us early last year to replace one nearing expiration date, but which we never received or activated. We are on holidays for a few days so making a few purchases throughout the day, so the amounts were mixed in amongst the others and not easy to see.
Being a pending amount, the bank can't do anything until it clears so we have to wait, which could be up to 10 days and then they can file a dispute claim. The purchase was made out of the U.S. Putting this here just as a warning. I don't understand how a card never activated by us can be associated with our account and be used to make a purchase. It's only a small amount now, but the bank said it's a tactic used by scammers trying their luck before drawing out large amounts.
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