u/sugarbearxlx

i honestly do not have much context to give you. here’s what i know:

i bank with a credit union. today, i get a notice that a charge was declined for 3k at citibank. that’s about everything i know. i immediately lock my card and got a notification that a second charge for $0 (???) was attempted and blocked because i had my card locked. both transactions were 4 minutes apart.

i’m confused how someone can walk into a citibank with a card from a entirely different banker, in a different name, was able to even attempt to withdraw. the charge was declined due to insufficient funds.

now i did chat gpt and they said something along the lines of it doesn’t necessarily mean they went inside a citibank and tried this, just that citibank was the merchant. i don’t know what the fuck that even means..

card was basically immediately closed and i’m getting a new one tomorrow. i did not have my card stolen and i haven’t put any bank details into anything sketchy recently.

thoughts???? i’m freaking out and am paranoid it may be identity theft. i’m 18..

Any advice on fighting a speeding ticket with an accident within the last 6 months??

context: i am a young driver, state of Georgia. beginning of the year, my insurance was 1500 every 6 months. Back in march i was involved in a fender bender and was named at fault (i admit, i was.) I did not have to go to court or pay a fine for this. However, insurance did go up to 2100 every 6 months.

Today: was on a 4 lane road, my 2 lanes empty besides me and was clocked going 62 in a 45 at 11:56 this morning (August 16). ticket says method was laser and calibration/check line reads what i believe to say 0500 (my copy is extremely light on the writing and a little hard to make out).

my ultimate goal is to prevent this from being reported to insurance. i can only assume my rate would skyrocket substantially because of being considered a at risk driver because of age and also from 2 infractions 5 months apart from eachother. I am aware i should not pay the ticket online. looking it up in my state, if im successful in going to court and getting the speed changed from 17 over to 14 over, i can get a ticket that will not be reported to DDS.

will absolutely be completing a 6 hour defensive course to help my case. Please, i am not well versed in legal and cannot afford an attorney OR increased insurance. any legal advice on further steps i can take to help my case and what to say to the judge will help. i was very polite and apologetic to the officer.

court date is october 14th.