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Updated
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.
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 |
Declined transactions | Everyone |
Here are a few of the alerts you can expect from Bank of America:
Here are a few alerts offered by Chase:
Here are a few alert options you can sign up for with American Express:
Capital One purchase notifications are one of several types of card alerts you can receive with this provider. You may also receive alerts for:
Citi offers a variety of alert options, including:
Here are a few of the email and text alerts you may receive from Discover:
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:
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.
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