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Credit Card Alert Spreadsheet
Posted on December 15, 2016 by in Identity & Privacy, Personal

Consumers are under the false impression that when there is credit card fraud, the credit card company will always let them know. This is not always the case. The burden of fraud prevention fundamentally lies with the card holder.

It’s easier than you think to be on top of keeping your credit card world safe and sound. By committing to regular self-monitoring and signing up for credit card alerts, you won’t have to worry about becoming a victim of credit card fraud and the nightmare that often ensues.


  • Check your credit card statement (paper or online) at least once a month. This will ensure that any reports you make of an unauthorized charge will be done in a very timely manner; do not put this off.
  • If you dispute a charge, don’t take your frustration and anger out on the support staff; make them happy to help you.
  • Don’t use debit cards. If a thief gets ahold of a debit card via a tampered card reader or hands-on (e.g., clerk takes your card out of sight to swipe it, during which he copies down its information), you will have a more difficult time recovering the money that’s siphoned from your bank account.


  • An unfamiliar charge of $4.19 is just as suspicious as an unfamiliar charge for $750. Question it the first chance you get; often, crooks start out by just getting their toes wet to see if the victim notices the suspicious charges and if there’s a charge notification alert in place.
  • You can feel confident about using money tracking apps, even though they access your card information. They generally have bank level security.


  • Mobile payment is actually more secure than using a plastic credit card. You need not worry about applications that have access to your card information.
  • Nevertheless, before downloading an app, read its terms of service. Know what data of yours it will gather (and this may even include photos on your phone) and if it will share it with third parties.
  • Have a remote disable function in case the phone is lost or stolen; you’ll be able to remotely disable the device so that the wrong hands can’t use your data to commit fraud.
  • At each card’s website set up you may or may not have an option to set up credit card alerts. If allowed, this can involve parameters you set, such as location of point of purchase (international vs domestic), frequency of purchases in a specified time period, amount limit of purchases, card present, card not present, etc.

Very Best:

  • In one place, IdentityForce offers customized credit card alerts by individual bank and credit card account. You receive smart notifications when a charge, withdrawal or a balance transfer exceeds a dollar amount determined by you. Help quickly spot credit card fraud and bank account fraud in one centralized place.

Many card fraud issues revolve around insecure retailers. Remember, point of sale swiping devices can be tampered by crooks to steal your card’s data, employees may steal it while you wait out of sight, and the retailer’s server that contains your card’s data might one day be hacked.