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July 7th, 2016 at 01:29 am

There are no words.

Everything was great, or so I thought, until two days ago. J has a bad habit of clicking or rather, just touching stuff on hubby's phone. I actually had to transfer extra money to hubby's bank account a few weeks ago because J had bought a few games (clicked on the ad, that's all) Hubby said he would link his Google account with his credit card in case it happened again.

I thought I was being pretty observant, taking the phone off him whenever I noticed that he had it. Then the screen on hubby's phone broke and he started to use his old phone. But then he seen some games were downloading. I asked him to check his credit card balance online. Lol and behold, over 1k worth of transactions. A lot of them were 79.99 transactions.

So now I have extra debt. Unwanted debt. This was not part of the plan.

I have to check Husband's credit rating and try to get it transferred to a zero percent card.

This is a big bump in the road. I'm just hoping it won't derail me too much.

11 Responses to “Speechless”

  1. alice4now Says:

    Oh gosh, I have no advice because I don't know if any of these charges are reversible. But I would remove all credit cards from my phones so that you have to manually punch in the credit card every time you want to use it, is that an option?

  2. creditcardfree Says:

    Woah! Does the phone have a way to secure it so only adults can have access? All of our smartphones do. I would definitely inquire about those charges. Especially if it seems those transactions occurred in short period of time, they may waive some of them if you explain a small child got ahold of the phone.

  3. VS_ozgirl Says:

    Don't organise to pay it yet, look at getting the charges waived. These are unauthorised in-app purchases made by a child so if you act quickly enough you might be able to get them refunded. Do an Internet search for unauthorised in-app purchases made by a child and Google have an article about how to get the charges reversed. Act quickly, good luck.

  4. CB in the City Says:

    All the advice above is great; just adding my sympathy and hope that you can get this reversed!

  5. Laura S. Says:

    I echo others. See if you can get it reversed.

  6. twest Says:

    This happened to us once. Our child purchased an app that was $100 and I called Apple and they waived the fee. I just explained it was my child and they had no trouble with taking it off immediately.

  7. SecretarySaving Says:

    You can password protect the phone so that no one can get into it without first dialing the code to 'open' the phone. You can still make emergency calls without needing to put the password protection code into the phone.

    You can also add parent controls. That way any app downloaded needs your password to do so. You can remove an app purchase icon from the display screen all together with that. You can also set the parent controls to G, PG13, etc. rated and also have the age range so my 10yr old daughter can only see content that is appropriate for 12yrs and under. She can not load any apps either I or her big sister have to do that for her and for her to even be able to browse them. She does have a kids youtube loaded.

    Hope this helps some!

  8. Joan.of.the.Arch Says:

    Dear! That's awful! Do your best to get the charges removed. What can be done to build the habit of putting the phone out of reach of the toddler?

  9. My English Castle Says:

    Oh man--I'm with everyone. I'll bet you can get them removed.

  10. scottish girl Says:

    Thanks everyone, I'm hoping I can get the charges removed too.

  11. LivingAlmostLarge Says:

    Hope the charges get removed

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