Credit Card Security

I get a text and an email for any transaction over $20 which is the minimum $ amount that the card issuer allows for alerts. I have had 3 separate incidents with debit/credit cards and my bank account (ACH)over the past year, so I simply watch it closely and dispute anything that I don't recognize.

You can't. All you can do is report the fraudulent charge as soon as possible-which you did. All of my online purchases are done with my Amex card--they have a standard policy of reversing fraud charges without hassle and have so for years.

The banks and credit card companies wanted to make it easy for us to spend our money and not have to process checks. The downside to that is that we are subject to fraud from determined nefarious individuals.

Or you can just pay cash. :D

We have our card(s) set up with alerts...email and text messages come to us if any charges are made anywhere by anyone (even us) for over $50.

You can set the amount that will trigger the message alerts. If we didn't make the charge we call immediately.

The text messages even link the phone and automatically dial the bank fraud dept. so we can report and challenge.

I charge something and almost immediately my phone alerts me. If I made the charge, no problem. I just delete the message.