A few weeks ago, I changed the “alerts” levels for my CCs to:
“send an email and SMS each time a charge is made when the card is NOT present”
- ie phone, or online orders.
- I could also have set a $ limit, but opted not to. I get alerts for every charge made, for any amount, when the card is not present.
Now, every time I order something from Amazon, I get an email and SMS alert.
I also pay a couple monthly bills with the CC, and get alerts for those, too.
So far, the number of alerts have not been onerous.
This morning, I got this SMS:
Alert: Card ending in **** was not present for a $29.95 transaction at company-whose-name-i-didnt-recognize. View at citi. com.
The email alert included the phone number for the company,
and I called.
It turned out to be a company from whom I’d ordered a product 1 year ago, and in the process had inadvertently signed up for the “subscription to their website and support stuff”… $29.95/month.
I canceled. The company rep was superb in helping me, and reversed the charge. I’ll be watching over the next few months, to verify. I expect also that if my card is again charged, I’ll get another alert from Citi.
Due to the CC alerts, I was able to catch and stop this ASAP.
A WIN for technology! And, at this point, I recommend using these alerts.
Which “security and fraud alert” technologies on your CCs do you use?