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10 years ago I traveled to china. 8 and 6 years ago I traveled to russia. In all cases, I used my standard credit card for most stuff. No issues at all, and
by lowercased 7y ago
10 years ago I traveled to china. 8 and 6 years ago I traveled to russia. In all cases, I used my standard credit card for most stuff. No issues at all, and I didn't tell the bank beforehand.
5 years ago - months after the last russia trip, I used the same card to buy a small service from a company in sweden. I'd bought multiple times before - same service, same company for many years - and this was... $9?
Transaction flagged - entire account frozen, without warning or notification (no call or email or text) - marked as 'fraudulent activity'. Without telling me what was going on, several auto payments were declined over the next few days, and it took hours to sort everything out.
Absolutely no rhyme nor reason I can see as to how 'fraud detection' is done.
- wtmt 7y agoSecurity policies must be changing all the time due to changes in fraud patterns. The $9 transaction getting flagged in a different country isn’t a surprise anymore since banks figure out that fraudsters “test” credit card numbers with small transactions and then sell that to others (for more fraud) or use for larger fraudulent transactions. This doesn’t explain why the same transactions from the past weren’t taken into account, but must be related to this fraud pattern having a higher weight in flagging transactions.