>> You're just doing the credit card company's job for them.
In what way? You stated in your first paragraph that it's your responsibility to report fraud.
Regardless, it's not about being responsible for the charges, it's about not having to read a full credit card statement every month, looking for potentially fraudulent charges in a list of transactions made days or weeks prior. With a notification, I'm not looking at my credit card bill trying to figure out what the $45 charge to "AAZZYBD Ind. Co. Ltd." was (could be an Olive Garden, could be a gas station, could be a deep web retail site).
I've found that they will detect the fraud before I do. Like they always have. It's your responsibility to report fraud, but they're the big loser so they have more incentive to find the bad purchases ASAP.
Going through notifications after each purchase, or looking at a monthly bill, you're doing the same thing but in different time periods. We're all on the brink of app notification overload, I don't need one for each purchase I or my wife makes.
In what way? You stated in your first paragraph that it's your responsibility to report fraud.
Regardless, it's not about being responsible for the charges, it's about not having to read a full credit card statement every month, looking for potentially fraudulent charges in a list of transactions made days or weeks prior. With a notification, I'm not looking at my credit card bill trying to figure out what the $45 charge to "AAZZYBD Ind. Co. Ltd." was (could be an Olive Garden, could be a gas station, could be a deep web retail site).