The Visa fraud check criteria needs to be tweaked.

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.