Honestly, I'm glad Visa keeps an eye on purchases in case of fraud. I do watch my accounts very closely. In fact, early last year I discovered that I had been hijacked before Visa even noticed.
But not everyone is vigilant. And I imagine that the holidays are a busy time for fraud.
Still, I think that the algorithms that are used to detect fraud need to be fine-tuned. Isn't the process supposed to detect purchases that are out of the ordinary for the particular user?
Did I get a call when I bought a $150 gift card for massages? No.
Did I get a call when I spent $900 on a new mattress? No.
I got a call when I donated on-line to charity.
Seriously. How many people steal a credit card to make donations to pet charities?
Not only that, but these are the same charities I donated to last year, and throughout the year. And the year before.
I wouldn't be annoyed if the mattress had triggered the call. How often do I buy mattresses?
Calling me based on a purchase I make 2 or 3 times a year seems flawed.
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