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>>>I wonder how they decide these things. >>>

Depends upon the credit card company, the software they apply and how tightly the outlier filters are set.

I was sitting at work 6 months ago. "Ring...ring.."

"Yes," I began, that would be my credit card.

"Did you buy something in Moscow last evening?" was the customer service rep's question from a Visa card associated with my bank account.

"Moscow? Moscow, Pennsylvania?" I asked.

"Nope, Russia. Guess it isn't yours. We won't honor it. Cut your card up and we will send out a new one with a new number this afternoon."

Like anything else, how strictly or loosely the outlier software it is applied is their decision. How well, how lax it is followed is another ballgame.

Often they will set a threshold for $$ amount. In this case, they were using geography.


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