I have been Breached!

I had a freak out moment today. I was paying some bills....at work....so I logged onto my online banking to check my account balances. I am used to seeing 3 accounts - checking, savings, and credit card - all through Bank of America, it is so convenient and great and free.

But today when I logged in, I only had two accounts showing - checking and savings. Where is my credit card? I thought, weird, maybe they are having a computer glitch, I'll check later. So I got home this evening, logged in, and saw the same thing.

I stayed pretty calm, so I thought, Blake might say otherwise - I only stomped a little, and I called the customer service line. Of course it is automated and I have to punch in 8 million numbers before I get any information. Then the first thing I hear in that sweet, calm, automated lady voice is "This account has been closed. Your remaining balance is XYZ."

WHAT? The true freak out begins. I did not close the account - what is going on? I may have had a small outburst. "I need to talk to a person!" I had to wait 20 minutes to actually get a living person on the line to tell me there had been a data breach. She couldn't tell me what exactly this meant. It doesn't seem like there are any fraudulent charges on my account, but they said when something looks fishy, it's easier to close the account than try to dispute things later.

When she said, "so do you have any questions?" Uh, yes, quite a few in fact. She answered them the best she could, and I should have a new credit card sometime next week.

Issues:
1) I use my credit card for everything. I don't carry a balance at the end of the month but I use it like a debit card because we earn points.
2) My car is currently in the shop being tuned up and we had planned to pay for the service with the card. It's a good way to earn a couple hundred quick points, plus they don't take checks.....we will figure it out....I hope....I need a car.
3) We have started booking things for a trip to San Francisco in April and when you check in, you are supposed to use the same card you paid with, and now I will have a new number. The person I spoke to said this shouldn't be an issue......well it better not be!
4) I wasn't notified that my account had been closed. I just happened to stumble on it. It would have been really embarrassing to go to pick up my car tomorrow and hear "uh, your card has been denied"

I'm sure more issues will arise and this will be a bigger headache than it already is, but maybe it was caught before it turned into a major catastrophe.