SharylMB, you are exactly right! My husband was pulling our credit reports, as well as looking at the charges, every few days.

I think the biggest impact for us in savings, especially at the holiday, is that we do have high limits and both use the same cards, so it's easy to pick up a balance that neither of us knew about. This way, we get weekly reports, and a BIG FAT ALERT, with parameters we set up, and it's great.

Okay, so the card with the 5% cash back, we spent $300 in one week, and I had an alert set for $300 in a week threshold, and getting the daily reminder all week is horrible.

My other concern is that we are going to get jaded to the email alert and start ignoring it. So, I'm going to change the parameters for our alerts.