i have a supplementary cardholder whose purchases get declined every so often supposedly because of suspected fraud. i get a notification from the bank telling me to call and confirm the transaction.
i call and confirm.
yesterday when i did, i asked how come the bank's behavioral security analytics have not yet recognized the supplementary cardholder's purchasing pattern up to now when i've been confirming the wrongly declined transactions since last year.
the bank told me they've received a lot of reports about fraudulent purchases from certain merchants so when my supplementary cardholder transacts with those merchants an alert is triggered.
oh... so it's not about the supplementary cardholder... it's about the merchant.
ok.
it's not us. it's them.
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