Credit Card Security these days often relies on heuristics to prevent losses.

That means that if your card rather suddenly out of the blue is used to make a purchase - and such purchase does not meet the heuristics curve of your "normal" card use, they may decline it unless and until they hear from YOU.

They most likely are just trying to prevent some baddie who may have just stolen your card from emptying out your credit limit, account balance or whatever.

Yeah, I know that if you call 'em in time you aren't responsible for the baddie's purchase, but think about the card company. They still gotta pay up for it. Happens enough times, their operating costs increase - and increased operating costs are always passed on to all customers in the form of raised rate percentages, service charges, etc.


--Mac

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