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whenever possible, i called them on the phone. if you're nice to them at the beginning, they usually admit they used to card to access the site. then you tell them that since they used it legitimately, you will send them a bill for the months they used the site, plus contact their bank with proof through your logs that they did access the site.
let them know that if they do not pay that bill, you'll send a second bill with the site name on it, and then go to a collection agency.
most guys sent me money at that point.
when there was a woman's name on the card, it was usually the wife or girlfriend and the man in their life used the card without knowledge or permission. that one is a lot more difficult because the cardholder really didn't know, and just hadn't checked to see what the charge was month after month since it was small. sometimes if you talk frankly with them, and let them know you're not a crook like the news says, something can be worked out.
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