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Credit card alerts that’ll make your life easier
Stay on top of your credit card activity with phone notifications.
Staying on top of your credit card activity is so important, but it can be difficult to remember to check accounts all the time. That’s why credit card alerts can be a useful tool for keeping you constantly informed when changes to your credit card account happen.
For example, you can activate fraud alerts to know if someone’s been using your card without your consent. You can also set up an alert to be notified every time you’re getting close to reaching your credit limit.
Note that the range of credit card alerts you can get often depends on your card issuer.
Common credit card alerts
Not all credit card issuers provide all types of credit card alerts, but these are the most common:
|Alert||Who it’s best for|
|Payment due or overdue reminder||Those who often forget to pay the balance on time or don’t use the autopay option|
|Approaching credit limit||Those who spend a lot and without tracking their purchases|
|Purchases over a certain amount||Those who tend to buy expensive items|
|Fraud alerts, including ATM withdrawals, foreign transactions and purchases without the card present||Everyone|
Bank of America alerts
Here are a few of the alerts you can expect from Bank of America:
- Your available balance
- Security concerns
- Deal expiration dates
- When new BankAmeriDeals are available
Chase text alerts
Here are a few alerts offered by Chase:
- Low balance warnings
- Large transaction alerts
- Unusual account activity
- Cleared payments
Here are a few alert options you can sign up for with American Express:
- Spending alerts
- Account status
- Spend tracking
- Near limit alerts
Capital One alerts
Capital One purchase notifications are one of several types of card alerts you can receive with this provider. You may also receive alerts for:
- Security and fraud warnings
- Balance statements
Citi offers a variety of alert options, including:
- Statement availability
- Payment reminders
- Overlimit spending
Here are a few of the email and text alerts you may receive from Discover:
- Purchases made outside of the US
- Purchases made by phone, online or mail
- Spend tracking
USAA seems to primarily offer alerts for security and fraud monitoring. There isn’t an option at this time to customize your alerts for spending or similar events.
Setting up credit card alerts is as simple as checking your credit card account online. Here’s how to do it:
- Sign in to your online banking account or download your bank’s mobile app.
- Depending on the card issuer, you should choose Customer service, Card alerts or Profile & settings.
- Select the alerts you wish to receive.
Setting up credit card alerts is a useful way of staying on top of your credit card activity. You can choose to receive notifications on possible fraudulent activity or to be informed whenever you’re reaching your credit limit or spending more than you want to.
Most cards offer this perk, so be sure to compare credit cards so you can choose the one that best fits your financial needs.
Frequently asked questions
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