Most of the banks and card issuers are offering now an interesting new feature, which is SMS Alerts, advantages from several points of view.
The concept that at the base of the service is that of reaching users in Real-time and verifying owner of the card payment. The immediate
reachability allows the holder – but also the card issuers to take further control over the expenditure just conducted, which results in greater flexibility and security.
How does the system work? Simply, by activating the service you will receive an SMS on your mobile phone every time you use your credit card to make a payment.
The “short message” is received in real time for each transaction (purchase,
advance of cash, etc.) performed with the card.
Warning! Institutions are offering free this service so distrust any institutions that want to charge you for the service or receiving the text messages.
The SMS sent almost simultaneously with the use of a payment card indicates
the type of operation, amount, date, place and name of the operator.
Therefore, you can verify the amount charged to the card, noting
immediately for any errors at the time of purchase, such as a double
Debit or incorrect billing. In fact, the “short message”, as well as for
purchases made in your presence – therefore more controllable
personally – is usually sent when:
withdrawal from ATM in Italy and abroad
operations carried out by mail or by phone
not accepted operations
This way you can avoid unpleasant surprises and fraudulent use
of their credit card, but above all proceed in real time to the
Some useful tips to evaluate the quality of the SMS alert service offered by your bank / issuing institution:
Absolute service gratuity;
check if there is a minimum amount of spending planned for dell’SMSed sending possibly that entity;
make sure the service activation times (usually is activated within 48 hours following a request, so if you want to receive the SMS in anticipation of a trip abroad you should request the activation of the service in good time);
ensure the delivery of real-time service for the uses made abroad.
To activate the service it is sufficient to apply to the bank / institution
issuer at the time the card is issued, or following at the agency,
by phone by calling Customer Service or via internet by logging on
the issuer’s official website.
At the time of the request for activation of the warning service via SMS,
You will need to know your cell phone number on which you want to receive
SMS, with one caution: the mobile phone number provided to the issuer
It must be made payable to the cardholder.
It ‘important to remember that the warning service via SMS is gradually
increasingly available on debit cards – debit cards.