Any reasonable bank would freeze the card before even contacting you. If they want a confirmation, they'd rather use an automated method. Like send an SMS: "Di

Any reasonable bank would freeze the card before even contacting you. If they want a confirmation, they'd rather use an automated method. Like send an SMS: "Did you spend $X on Merchant, Inc? Reply with Yes or No". They can't afford a human calling you for every fraud suspicion.