Email Notification on charges

Discussion in 'Credit Talk' started by TimSmiley, Feb 16, 2002.

  1. TimSmiley

    TimSmiley New Member

    I do a lot of online shopping. Since I develop E-commerce sites, I recogonize what is secure shopping practices and what is not. Some of the places that I order from are not as secure as I would like. Often I find that the vendor will Email me my Credit Card number to confirm the order. Since email is sent in clear text (not encrypted) someone could easily pick up that number.

    My question:
    I am looking for a card that will send me an Email every time a charge is placed. Currently if my CC was stolen, I would know until I receive and process my statement, sometimes up to 45 days later. Anyone know of a credit card that will notify you everytime a charge is made on your card?

    Thank you,
    Tim Smiley
     
  2. Pat

    Pat Well-Known Member

    AT&T Univeral MasterCard
    Sears Gold MasterCard
     
  3. TimSmiley

    TimSmiley New Member

    Thank you.

    Tim Smiley
     
  4. whyspers

    whyspers Well-Known Member

    Geez, Pat...does carrying a balance really drop your score that much??? If so I guess I've figured out why my score is going down instead of up with each deletion. Gotta get these paid down asap!

    Laura
     
  5. Pat

    Pat Well-Known Member

    Yep, it really does. But its TU's score not FICO. I never really believed I had a 876, but I figured the FICO equivalent should at least be over 700. So even though it's a Visa, It looks like TU treats it like a retail card.

    The number one reason was:

    FACTOR 1: DEPARTMENT STORE AND CLOTHING ACCOUNT BALANCES ARE TOO HIGH IN
    PROPORTION TO CREDIT LIMITS: CONSUMERS HAVING HIGH BALANCES ON THESE
    ACCOUNTS IN RELATION TO THE CREDIT LIMITS ARE MORE LIKELY OF FUTURE
    DELINQUENCY. LOWERING YOUR BALANCES ON THESE ACCOUNTS MAY IMPROVE
    YOUR CREDIT SCORE.


    I had a $1500 balance on the Target Visa. I did all my Christmas shopping on it and paid it off. Target hasn't seen fit to update the tradeline yet :(
     
  6. LKH

    LKH Well-Known Member

    My Target just started reporting last week and that is also now my #1 reason. I have charged a whole $101 on my card. What a friggin joke.
     
  7. GEORGE

    GEORGE Well-Known Member

    TARGET VISA is not a bank card???

    It's a "STORE" card???
     
  8. ng

    ng Well-Known Member

    Maybe TU does not know the difference between:

    Target Guest---------Store
    Target Visa-----------Bank
     
  9. Christi

    Christi Well-Known Member

    TU does not know the difference between their @$$ and a hole in the ground...they are the most moronic bunch of idiots I have ever dealt with. The higher up the chain of command you go with them, the dumber they get. Take it from me...dealing with some very high up legal personnel right now. They are just plain damn STUPID!!!
     
  10. Why Chat

    Why Chat Well-Known Member

    Just check your credit cards on line every day.
    Simple-safe and already available.
     
  11. ng

    ng Well-Known Member

    I agree!!

    Disputed a 30 day late and TU claimed verified

    Now showing 2 30 day late and 1 60 Day late

    I called the creditor and asked if they reported that
    here is the response I got:

    The manager told me they verified the 30 day late and if TU was reporting anything different then
    SUE them!
     

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