No. of Recommendations: 3
I think things are improving, but I think there needs to be more information out there to people about what they can do to monitor their credit cards. I don't know if they aren't aware of the features or just haven't taken the time to set them up.

Most people don't use two factor authentication for their bank and credit card logins. This is very highly recommended. They also use the same login for site after site.

I've got text alerts set up on my Amex account. A person can customize them to send a text if: the card is not present, a foreign transaction is processed, a large amount is spent (and you set the amount), if someone takes out cash. I also get alerts if the billing address, my password, or anything else irregular is noticed. I have foreign and large amount set up and those alerts come to my phone within seconds of me clicking "process". More then enough time for me to call back and Amex to reverse the charges and let the merchant know to not ship that merchandise.

I'd like to get the point where I don't carry cards in a wallet at all and everything is on my phone, but then I would want my phone or the vendor to require something biometric in addition to the card information.

Lara Amber
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