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If there is anything that I have learned during all my years of existence, it is that you do not get answers if you do not ask any questions.
So I ask my questions, no matter how silly or how dumb it sounds. Doubt is also an element that I constantly entertain in my mind, so I confirm and re-confirm until the thing has no choice but to sound true.
So on the day that I got my credit card statement and alarm bells were sounding in my head, I picked up the phone and called Citibank direct.