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(USA resident here) I've made several high value purchases ($100+) online without getting an additional 3D secure prompt. However, my credit union is rather lib
by theandrewbailey 4y ago
(USA resident here) I've made several high value purchases ($100+) online without getting an additional 3D secure prompt. However, my credit union is rather liberal in locking my card for what they think are suspicious transactions. It's a text or call to customer service to unlock (where they verify recent transactions), but I'd rather enter a password more often than have my card randomly locked.
- xyzzy_plugh 4y agoActually it's possible you did get a 3D Secure prompt, but many US banks don't do anything with it and just instantly redirect back with authorization. It's impressive how far behind US financial institutes are.
- theandrewbailey 4y agoI've been with the same bank for years, and I will occasionally get one (once or twice per year). I shop on the same sites, too.