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Don't know, obviously you know a lot more about this than me, but in my experience as a consumer, at least my bank (HSBC UK) has been pretty good at identifying

• jacquesm 16y ago
  Yes, but for the most part those will be swipe transactions, not online transactions. And they keep an eye out starting at $100 or so because that's when it starts to add up if you fail to spot a fraudulent charge. The majority of online transactions is pretty small though, and falls right in the gap between 'don't care' and 'card issuer spots fraud'.
• patio11 16y ago
  My credit card companies are so good at identifying fraud they've caught 17 of my last 0 fraudulent transactions. (OK, I sympathize: buying a thousand bucks of stuff in four transactions from central Japan at 2 in the morning is not exactly typical behavior for a Bank of America customer.)
  • lanstein 16y ago
    btw, as a fellow B of A customer who has had to deal with their crappy fraud algorithm as recently as last week, apparently you can go into the branch and have the 'fraud protection' removed.
• nailer 16y ago
  Interesting. Mine (Barclay's) is overly aggressive: it calls me every two weeks, and blocks my cards about 4 times a year. I have pre-paid phone, buy small items from Google checkout, and travel frequently. Barclay's knows this, but still keeps calling to confirm my (quite regular, very normal) transactions and blocking my cards.