From a quick stop at the gas station to paying for dinner, most Americans depend on having their debit and credit cards handy multiple times every day. But what happens when one of your cards go missing? The average person loses several items each week, so it’s logical to expect you will misplace one of your cards every once in a while.
Thankfully, 元素 offers an app for that! Beginning three years ago, our credit union has provided members with 卡控制 – an app for iOS and Android devices that allows you to keep tabs on your 元素 credit and debit cards, receive notifications when the cards are used, 设定开支限制.
Here are some of our favorite features:
控制你的状态
The home page of 卡控制 is focused on the "on" or "off" status of your card. With the quick flip of a switch, you can turn your 元素 credit or debit card off if one of them go missing, and then back on when you find it.
I recently left my credit card behind at a restaurant and was able to turn it off immediately from my phone. When I went back to get it the next day, I turned it back on and went right back to my normal spending!
控制你的位置
We’ve made it easy for you to manage your location within the 卡控制 app. Based on your preference, there are two ways to use location services:
地点限制: 卡控制 gives you the ability to restrict any transactions made beyond your current location or region. Your card will be declined if it is used outside that area.
按位置提醒: 卡控制 can alert you if your 元素 credit or debit card is used outside your region. 在这种情况下, your card won’t be declined if it’s used in another location, but you will receive a push notification from the app on your phone.
控制开支
It’s easier than ever to stick to your budget with 卡控制. 使用 支出控制 tool within the app to manage the amount of spending that is allowed on your card. You’ll be able to set either a daily or monthly limit.
在这种情况下, your card would decline if your purchase exceeds the set limit. Want to ensure your card doesn’t decline? 使用 花警报 to simply receive notifications when your spending exceeds your set limits.
控制你的分类
From entertainment to restaurants, 卡控制 allows you to manage the types of merchants where your 元素 credit or debit card can be used. 使用 商人控制 应用程序的部分, you’ll be able to turn on and off merchant types in real-time and limit where your card can be used.
再一次。, if you don’t want your card to decline, you can opt in to simply receiving alerts when your card is used at certain types of retailers.
控制你的交易
With so many ways to shop and pay bills, 卡控制 is a great way to instantly monitor and change the types of transactions you can make with your 元素 credit or debit card. 你可以使用 事务控制 tool to deny specific types, such as online or ATM transactions or receive alerts when your card is used for things such as auto pay or mail/phone orders.
This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.
