Chase International Fraud Charge Alerts
We spoke about this a bit on last week’s miles & points podcast, but I figured it was worth writing about too. For the people that don’t listen, or simply retain information better when reading, this one is for you. I wanted to discuss recent changes with Chase international fraud charge alerts that would have me potentially leaving my Chase cards in the sock drawer on overseas trips.
What Has Changed
Back in February of this year (2026) Chase changed the way they do fraud alerts internationally. I don’t know if cardmembers were complaining about their cards being locked up too much while traveling or what. But, this is what they had to say about the new rollout last month (HT DoC):
We’re writing to let you know that we’re retiring alerts you’re signed up for. You’ll no longer receive either of these alerts for any of your credit card accounts starting February 17, 2026:
- International charge posted
- Online, phone or mail charge authorized
Chase helps safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and will text, email or call you if we detect unusual purchases on your credit card.
You’ll continue to receive your other enrolled alerts through your preferred delivery methods.
As a reminder, you can set an alert that notifies you if a card transaction is higher than the limit you set. You can adjust your alert settings any time, including how they’re delivered, whether through text, email, and/or mobile push.
Visit chase.com/alerts and choose “Get started” to view or manage your alerts.
How This Played Out In The Wild
Me and my buddy were not aware of this change on our recent trip overseas (shame on me). I didn’t bring any Chase cards with me, but his Sapphire Reserve is his go to card for most things.
Not to throw a plot twist at you, but his card was compromised on the trip. It was pretty obvious fraud too, as he was hit with several large charges back to back without his knowledge. He checked his account a few days into the trip and was shocked by what he saw.
Nothing From Chase
His first thought was, I didn’t get a text about any of this. No email, no text, no phone call and no locking of the card. He had to take time away from his vacation to call Chase and dispute these charges. Something that will likely cost him more money, since he had to turn on international calling. Then add in the per minute charge he will likely absorb and we are racking up a chunk of change here.
Calling The Fraud Department
The Chase fraud department agent went through it all with him and was kind of over the top on everything. It looked pretty obvious that no one is ramming through these large charges back to back like that. She even asked if he had talked to the merchant yet? He responded that he was in a different country before he even knew it was a thing. You know, because Chase didn’t have any fraud detection set up on his account. She instructed him that he would need to call or email them as a part of the process. Preposterous!
The Workaround
You may still be able to work around these Chase international fraud alert changes with a little self insurance. It is possible to set up charge alerts on your credit card account from within your Chase account.
Before you go on an international trip you could set alerts at $50 or $100 etc. so you are aware of anything nefarious happening. You would still have to dispute the charge when it happens, versus Chase catching the fraud up front, but you could hopefully avoid it snowballing. I know some viewers posted on the YouTube channel that they set it up for $1 because they like to see how much the charges are in USD while traveling.
Online Charges Are An Issue Too
Another part of this, which is even more confusing, is the removal of online and phone charge fraud alerts. Pretty much any fraud I have ever had on my credit cards is done online when they have skimmed my credit card number somewhere else. Normally that is rooted out pretty quickly by the bank’s fraud systems. Now, with Chase at least, it seems like it will be the wild wild west out there. What are they thinking here?!
Chase International Fraud Charge Alerts Are A Thing Of The Past
I hope you take this PSA about Chase fraud alerts while traveling internationally seriously. It could end up costing you time, money, or both. You can help yourself a bit by getting those Chase charge alerts set up on your account. Then at least you won’t be left shocked by what you see days later. Hopefully you are able to stop it before it really gets rolling.
Let me know if you have had any issues with the changes to Chase international fraud charge alerts while traveling below or over in the MTM Facebook Group.
