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credit card didn't get hacked, but got a nice alert about it

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nemesis:
I helped an elderly relative pick up some medication a few weeks ago. When I went to pick up the medicine, the pharmacy said her credit card on file was expired, so I opted to pay for the deductible with my own Visa card.

All was well, and then just now I get a text from the same Visa card that $40 was charged to my card, from the same pharmacy.

Looking up the charge online, I see it's the Pharmacy from my relative's home town.  So I call them to find out why they charged my card $40.  Turns out the pharmacy kept my card on file as the default payment for my relative ever since I used that Visa card just one time.

So my relative just picked up some medicine today, and the pharmacy just charged the card on file - mine.  I told the pharmacy to remove my card since it was only a one time purchase.  I also spoke to my relative who was oblivious that the pharmacy had put my card on file for her.

All in all problem solved, but god damn it's awesome having real time alerts so I can instantly tell if something is up.

I have alerts set up on all of my credit cards so I get informed anytime there's a charge.  It's great peace of mind.

I wish the banks would have the same alerts for all transactions that occur.  Perhaps one day the bank accounts will get there too.

Miss Piggy:
Having the option to require myself to text "YES" for every purchase I make with a credit card would be a nice feature to turn on (or off).  Much better than having to call the credit card company several days (or sometimes a few weeks because I'm not in the habit of checking my credit card activity often) to let them know there's an unauthorized/fraudulent $1500 charge from some Home Depot store that's thousands of miles from my house. I realize it wouldn't be foolproof, but it would certainly cut down on the fraud.

BTDretire:
I got a call from my CC company regarding a $1 charge.
I didn't make the charge, so I called my wife to see if she had
charged $1 for anything.
 She was getting gas and started pumping, then noted the fuel
was cheaper if she paid cash, so she stopped at $1 and paid cash
for the rest of the fill up.
 The CC company said sometimes thieves test a card by
charging a small amount.
  I've had to replace my card 3 times in recent years because of fraud.
1st time the CC Co. called and ask if I just checked out of a Red Roof Inn,
or had a $200 steak dinner. "Nope wasn't me"
 2nd time, it was 5 iTune cards.
3rd time it was an undescribed internet charge that got a weak reply
from the vendor. When I got paperwork to sign saying I didn't make
the charge it had someones name that I didn't know.
 

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