Good morning everyone. A few days ago, I received 2 texts from Discover regarding a Fox Rent A Car charge on my Discover It Credit Card. Unfortunately, I was nowhere near a Fox Rent A Car location and have never rented a car from Fox Rent A Car. I quickly logged into my Discover app and looked at the transaction details. It appears there was a charge for $301.92 and then a refund of $301.92. The other weird thing is the “THUMB*IT” description name. I immediately called Discover and told them my credit card was stolen and reported the transactions as unauthorized. The Discover rep assured me that I would not be responsible for these transactions and would send out a replacement credit card right away. If it weren’t for the text alerts, I may not have noticed that my Discover It Credit Card was stolen, since my balance would not have increased since the transactions cancelled each other out. This is a great reminder of having text alerts set up for your credit cards.
In addition to text alerts, I also have email alerts set up. You can customize the alerts to fit your preferences, but I like to get notified every time there is a transaction made online, by phone, or by mail (basically any charge that was not done in person) and for every transaction over a certain amount (I use a $1 threshold, so I get lots of alerts). Some people may think this is overkill or will get really annoying, but I like the peace of mind knowing exactly when charges will show up on my credit card.
As far as I know, every credit card company offers some type of text, email, or push notifications. I don’t have alerts set up for every credit card I have, but I should. You never know when the alerts will come in handy. Are you a fan of credit card alerts or do you get annoyed by too many notifications? Let me know where you stand. If you have any questions, please leave a comment below. Have a great day everyone and keep your credit cards safe!