You will automatically receive text alerts from the Automated Fraud Alert System, and these alerts will appear as a 5-digit prefix on your mobile phone. You as the cardholder will have 30 minutes to reply Yes or No to this text alert. If you do not respond within 30 minutes, then a call will be placed to your mobile number. Then, if you cannot be reached, you will be contacted at your home or alternate number if applicable. A voice mail message will be attempted if no direct contact is made.