Please check your credit card online information often

[longtimelurker]

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@longtime_lurker wrote:

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@Anonymous wrote:

Agree jwbrkr! I's rather work to protect my own identity rather than give all my personal information to some service.

I also will never belong to these "Plenti" type rewards programs that Macy's is touting. Supposedly a number of retailers give and share rewards -and all of your info is stored in some external database by this outside "Plenti" company, No,thank you!

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Don't quote me on this, but I thought that AMEX was sharing cardholder info. to Plenti via marketing. So if you're an AMEX cardholder, they already have the information..

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Right, Plenti is owned by Amex.   Don't know how much they will share with the partners though

[longtimelurker]

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@Anonymous wrote:
I have all of my cards set up to alert me over $1 transaction, it's really instant. Sometimes my bank apps will alert me while the card is still swiping (it's that instant in most cases).

I've had 3 instances of fraud on 3 diff cards in the last 6 months, and each time it's because I know instantly about the transactions.

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Obviously up to each person's comfort level, but it doesn't really matter, so long as 100% of your cards aren't compromised at once.    This sounds to me like micromanaging utilization, it feels good but doesn't have a proportional benefit for time taken.    Cards are compromised all the time.   Often the bank will detect it, otherwise you do when you check statements once a month.   And then the charges get removed and if needed your card gets replaced.   I'ts not such a big deal.

[onstar]

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@longtimelurker wrote:

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@Anonymous wrote:
I have all of my cards set up to alert me over $1 transaction, it's really instant. Sometimes my bank apps will alert me while the card is still swiping (it's that instant in most cases).

I've had 3 instances of fraud on 3 diff cards in the last 6 months, and each time it's because I know instantly about the transactions.

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Obviously up to each person's comfort level, but it doesn't really matter, so long as 100% of your cards aren't compromised at once.    This sounds to me like micromanaging utilization, it feels good but doesn't have a proportional benefit for time taken.    Cards are compromised all the time.   Often the bank will detect it, otherwise you do when you check statements once a month.   And then the charges get removed and if needed your card gets replaced.   I'ts not such a big deal.

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I agree. I don't really care if one of my cards is compromised since I won't be responsible for any unauthorized use. I usually look at my activities about once every 7-10 days, then every time the statement cuts, I make sure that every line item is something that I purchased. I hadn't had any unauthorized use on my card for 20+ years, then in the past 12 months, there were two. But both were caught by Chase before I had a chance to look at them (one was at a gas station in Brazil and another was a purchase online), and neither made it past pending to charged.