Yes but it is not hard to get it back - you have to contact the bank In emergency you need to contact your bank. I have had my card declined several times Onc

Yes but it is not hard to get it back - you have to contact the bank In emergency you need to contact your bank. I have had my card declined several times Once on travel to USA - I probably should have told them before - in this case I had to phone them an international call and it was immediately reinstated. They also denied a payment when it was in a place accross the country from my normal use, which wa good as it was not me trying to use it. Basically if your spending is abnormal - e.g. in a different place or for a large amount then you might have to confirm the payment. The benefit is the bank is able to stop more fraud.