Wouldn’t it be great to get a message every time something is charged to your credit card? Visa is testing this interesting idea, working with PNC Bank, SunTrust Bank, U.S. Bank, Wachovia and Wells Fargo in the U.S. and RBC, TD Bank Financial Group and Vancity in Canada. It is already in use by some banks in other countries to combat credit card fraud. The idea is you get a transaction notice by e-mail or text message in near real-time every time one or more transaction “triggers” occur. These mobile notifications will be created simultaneously with the transaction, giving you an effective way to monitor and manage your accounts.