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Setting Up Automatic Credit Card & Bank Activity Alerts

I still love getting my bills via snail mail. I avoid online statements because I get over a hundred e-mails a day and it is very easy for me to put it off temporarily and never remember to read the e-mail again. A paper bill will stay on my desk until pay it and I file it away.

However, I essentially got paid $50 to sign up for paperless statements when signing up for the Citi Forward card (see my review), so of course I did it. This month, I barely got my payment in on time, and was only 2 days away from being dinged a $30 late fee.

As a result, I’ve been gradually visiting all my financial provider websites and signing up for online alerts, which e-mail or text you when certain criteria are met. For example, with Citibank I can get alerts for:

Credit Cards

  • Current Balance (you choose frequency, up to daily updates)
  • Within $XXX of credit limit
  • Balance exceeds $XXX
  • Payment notification: A payment posted on [xx/xx/xxxx]
  • Minimum payment due on [xx/xx/xxxx]

Banking

  • Balance Alerts (too high or too low… avoid overdrafts!)
  • Deposit Notices alert you whenever funds are credited
  • Bill Payment Alerts inform you when there are insufficient funds in checking
  • Check Alerts notify you whenever checks are presented for payment
  • CD Alerts notify when your CD is about to mature.

For the credit cards, the option is under the “Account Profile” menu as opposed to under “Tools” where I thought it would be. See screenshot.

Some sites like American Express also have an alert that triggers when it is X days before the bill is due, but they still haven’t received payment, which find most useful. Another alternative would be to just set up auto-pay on the card while it was on e-statements. But if you’re like me, I just switched my Forward card back to paper statements after I got my 5,000 ThankYou points. Sorry, trees!

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