<prompt> Human: I saw a .01c pending transaction on my checking account this afternoon. The mode of the charge was POS and it was a merchant iihana.com from Tokyo. I called Chase and they told me that it was on my wifes card. I told them we dont use our debit card for anything except ATM withdrawals. They asked us to file a claim. I felt silly asking my wife to sit on the phone for 20 minutes to file a claim for .01c but I was worried that this transaction was some sort of pre-cursor to a larger fraud later on. We filed the claim and requested they cancel her debit card and send a new one. I also removed overdraft protection from checking -- savings, just in case. Did we overreact? What possible reason could there be for someone to post a .01c transaction?  <response>: I dont think you overreacted.0.01 is a test charge. Gas stations, restaurants do this and its fine, and then I dont know how they do it when they have the total you see that instead of the test.From another country, I cant think of any good reason why you would get this test charge, to me you fended off a fraudulent charge, good on you. 