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Advice Needed for Unauthorized Credit Card charges by difficult child
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<blockquote data-quote="DaisyFace" data-source="post: 605506" data-attributes="member: 6546"><p>Ugh! Ugh! Ugh!</p><p></p><p>I think there are multiple problems here...</p><p></p><p>First, sites like Amazon (and their related apps) make "one-click buying" really easy. There is no "Are you sure you want to pay $$$$ for this purchase?" and there usually is no confirmation receipt displayed either. So the act of browsing and buying is really fast. (Sometimes, I think the sites don't even use the term "Buy" - instead saying "Get it Now") So in this respect, I think it is less about "stealing" and more about "impulse control"...</p><p></p><p>on the other hand - though, the fact that your difficult child had a ready story about getting things for free points to the fact that he was aware he was making unauthorized charges.</p><p></p><p>And on yet another hand - things like Amazon Prime will continue to be automatically billed if credit card information is on file...so it is entirely possible that he did make some purchases, and other purchases really were "free" through Amazon Prime if that account has been automatically renewed and billed to the credit card.</p><p></p><p>So, I think the first thing to do is cancel all renewing memberships. Turn OFF the "one-click-buy" features. Remove stored credit card information. and, if possible, change your account settings to require passwords to any accounts where purchases will be made in the future.</p><p></p><p>As far as discipline goes - I think at this age, it is unreasonable to expect a 12 year old to be able to re-pay $1000 cc bill.</p><p></p><p>It IS, however, reasonable for a 12 year old to "owe" you 1000 hours of yard work or household chores or some other such things. (or perhaps you'd like to assign a dollar value to chores - as in chores are paid $5 an hour - he owes you 200 hours...)</p></blockquote><p></p>
[QUOTE="DaisyFace, post: 605506, member: 6546"] Ugh! Ugh! Ugh! I think there are multiple problems here... First, sites like Amazon (and their related apps) make "one-click buying" really easy. There is no "Are you sure you want to pay $$$$ for this purchase?" and there usually is no confirmation receipt displayed either. So the act of browsing and buying is really fast. (Sometimes, I think the sites don't even use the term "Buy" - instead saying "Get it Now") So in this respect, I think it is less about "stealing" and more about "impulse control"... on the other hand - though, the fact that your difficult child had a ready story about getting things for free points to the fact that he was aware he was making unauthorized charges. And on yet another hand - things like Amazon Prime will continue to be automatically billed if credit card information is on file...so it is entirely possible that he did make some purchases, and other purchases really were "free" through Amazon Prime if that account has been automatically renewed and billed to the credit card. So, I think the first thing to do is cancel all renewing memberships. Turn OFF the "one-click-buy" features. Remove stored credit card information. and, if possible, change your account settings to require passwords to any accounts where purchases will be made in the future. As far as discipline goes - I think at this age, it is unreasonable to expect a 12 year old to be able to re-pay $1000 cc bill. It IS, however, reasonable for a 12 year old to "owe" you 1000 hours of yard work or household chores or some other such things. (or perhaps you'd like to assign a dollar value to chores - as in chores are paid $5 an hour - he owes you 200 hours...) [/QUOTE]
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