Credit and debit card alerts you should set up now

You can take control of your credit and debit card security by using Oregon State Credit Union’s customized card alerts called Card Control and Card Management. These powerful tools enable you to receive real-time alerts when you use your card to complete certain kinds of transactions, at certain kinds of retailers, or for purchases that exceed spending limits that you have pre-determined. You can even turn your credit or debit card off or report it lost or stolen and order a replacement card.

With Card Control and Card Management, you’re protecting yourself from unauthorized transactions. You determine which alerts you will receive and how you will receive them: by email, text message or “push notifications” (messages that pop up in the status bar or notification tray of your device).

Card alerts are especially helpful to manage your debit card. Unlike a credit card, where the money you spend is essentially a loan, the money you spend with a debit card comes straight out of your checking account. Oregon State Credit Union extends provisional credit while we investigate the fraud, but the money is still gone from your account until you report the theft. And if you don’t notice your account being drained, you could be left with a number of embarrassing overdrafts wreaking havoc on your checking account and reputation.

In addition to protecting you from fraud, card alerts can give you peace of mind in difficult circumstances. Lost your card on vacation? No problem – log in to Card Management to report it lost and order a new one. Nervous about online fraud? Log in to Card Control and set an alert to notify you if someone uses your card online.

Card Control and Card Management are free services. You won’t be charged for the alerts; however, you may be subject to text message or data charges from your cell phone carrier. Check with your carrier for more information.

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