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rhouse30 · Jan 21, 2008, 07:28 PM

In your opinion, is this worth 2.99 a month for my spouse and me?

A one-call solution that gives me convenience is my wallet is ever lost or stolen.

They notify all my card issuers to cancel cards and, if I wish request replacements. My credit file will be monitored by the 3 major credit bureaus for 90 days and we'll alert me of certain changes that may indicate fraud.

Thanks in advance.

ebaines · Jan 22, 2008, 06:36 AM

I keep a list of all my credit cards so that in case my wallet is stolen I can notify all of the card companies right away. As long as you make an effort to contact them once you know your wallet is missing, your maximum exposure is $50/card, and in fact most companies will cover all fraudulent charges as long as you let them know in a timely manner. As for monitoring the credit agencies - you can do that yourself for free at least once/year at each of the three major bureaus. So whether the $2.99/month cost is worth it to you is basically a question of what makes you sleep better at night. One other thing - under no circumstance should you be carrying a social security card in your wallet, or anything else that would make it easier for a thief to ruin your life.

NeedKarma · Jan 22, 2008, 06:40 AM

If you have a scanner just do the following: put all your cards on the scanner face down and make a scan at a high resolution; now flip them over and do the same for the other side of the cards. If you lose your wallet you mau need to make a few phone calls but you've saved money and you don't have to worry about secirity issues (i.e. having that card service knowing all your card numbers).

ScottGem · Jan 22, 2008, 07:13 AM

If you use Quicken or MS Money, you can keep a record of all your cards and contact numbers in there. Is it worth $2.99/mth to make one phone call instead of several? Personally I don't think so, but it might depend on how many cards you have.