If it's a fraud suspicion alert, I'm afraid there's nothing you can do about that.
But there *are* alerts you can set yourself that vary by issuer, but most of them do have the option of "notify me if transaction over X amount occurs."
@CreditByTowerOfPower wrote:Are there any credit cards that DON'T request confirmations? I attempted a $250 purchase recently with a Capital One Mastercard and received an email asking me to confirm the transaction, yes/no. The problems are: a) emails aren't guaranteed to arrived and don't always arrive in mere seconds and b) I got a confusing 'order cancelled' email later and I couldn't tell whether it was the credit card company that actually cancelled (perhaps because I hadn't confirmed the order quick enough) or was it the merchant itself (Walmart.com)? I tried a different credit card (Discover Card) and the same thing ocurred (now I suspect Walmart, but still no details were given).
This could turn into a very inconvenient situation in an extreme case, though it was simply annoying over the past few days because I couldn't make this necessary purchase.
I would like a card where I set "bug me for confirmations only for purchases over amount $x." Does such a card exist?
I've never had a credit card that required confirmation of purchases.
All cards have occasional fraud alerts.
@CreditByTowerOfPower wrote:Are there any credit cards that DON'T request confirmations? I attempted a $250 purchase recently with a Capital One Mastercard and received an email asking me to confirm the transaction, yes/no. The problems are: a) emails aren't guaranteed to arrived and don't always arrive in mere seconds and b) I got a confusing 'order cancelled' email later and I couldn't tell whether it was the credit card company that actually cancelled (perhaps because I hadn't confirmed the order quick enough) or was it the merchant itself (Walmart.com)? I tried a different credit card (Discover Card) and the same thing ocurred (now I suspect Walmart, but still no details were given).
This could turn into a very inconvenient situation in an extreme case, though it was simply annoying over the past few days because I couldn't make this necessary purchase.
I would like a card where I set "bug me for confirmations only for purchases over amount $x." Does such a card exist?
@CreditByTowerOfPower welcome to the forum.
New credit cards have a tendency to be more likely to question your transactions. Once they've had a chance to figure out spending habits and see you make timely payments, these should go away for 99% of your purchases.
If the cards are older, but you've recently added them to a mobile wallet (ApplePay, Google Pay, Samsung Wallet, Wal-Mart Wallet) you are likely to see these fraud checks show up again (not all lenders or credit profiles trigger it -- all of my lenders questioned my purchases after adding to and using Apple Pay).
I still can't use my Walmart card in the Walmart Wallet of my Walmart app to make purchases in person, triggers a fraud alert that locks my card every time.
For Capital One and Goldman-Sachs issued cards, you can add a mobile number to your account and they will send you a text when they suspect fraud. In my experience, the text arrives within a few seconds (usually before I've dug a second card out in line) and responding to it that the purchase was mine unlocks the card to swipe a second time and the purchase goes through.
Capital One asks me about possible fraud if I spend more than $2,000 in a single month on one of their cards (unusual spending for me with them, as they have my lowest limits).
GS asks any time I use my GM card from a website I've never used their card to order from. In contrast, the Apple Card issued by GS, has never once questioned if I was the one making the purchase even when entering the card number on a website using a Windows based computer.
