Yeah, I think this is an appropriate way to do profiling. The declined transaction was explicitly tied to something you did, so you understood why it happened.

Yeah, I think this is an appropriate way to do profiling. The declined transaction was explicitly tied to something you did, so you understood why it happened. The bank also provided an easy way out. Where profiling becomes dangerous is when it's tied to something you are or something you did in the past: it can be harder to identify why you're being profiled in these cases. Most of these cases aren't resolved through a single text, either. Profiling is a useful tool, but we have to be careful to do it in a humane way.