It's okay, Capital One...I got this

[flex]

So I think this is very cool that my credit card is being "watched".  I went out for a solo dinner on Thursday.  Since I don't drink, I'm a pretty cheap date.  I was sympathetic to my waitress (DH used to be a waiter back in the day so I have some inside info lol) so I have her a $10 tip rather than the typical 20%.

I  got  an e-mail this morning from Capital One pointing out my "generous" tip and they wanted to be sure that the amount was accurate.  Nice to know they have my back.   lol

[livinitup]

DH and I once shared a dinner and ice cream at Friendlys for a super cheap dinner. He gave 20% and I said add $2 because it was so small and piddly a tip. Alarmed, he said "But it is already 20%!" And I smiled and said "H it's TWO DOLLARS".

Nice that you got an alert for your generosity. I guess there are some "mistakes" that happen.

[themysteriouswife]

They frequently shut my card off since I bounce between GA (where I live) and TN (where I'm from). I understand why they do it, but it's annoying. I have to call them to fix the issue. Their fraud prevention is no joke.

[flex]

Feb 20, 2017 12:47:09 GMT -5 themysteriouswife said:

They frequently shut my card off since I bounce between GA (where I live) and TN (where I'm from). I understand why they do it, but it's annoying. I have to call them to fix the issue. Their fraud prevention is no joke.

I feel ya.

 I make notes on my Outlook calendar to contact my bank prior to a trip when I travel outside of the state.   If I don't, they'll shut down my card after the  first purchase I make in Seattle or wherever I happen to be.  It can be quite embarrassing.  

[kitkat1502]

Feb 20, 2017 12:55:07 GMT -5 flex said:

Feb 20, 2017 12:47:09 GMT -5 themysteriouswife said:

They frequently shut my card off since I bounce between GA (where I live) and TN (where I'm from). I understand why they do it, but it's annoying. I have to call them to fix the issue. Their fraud prevention is no joke.

I feel ya.

 I make notes on my Outlook calendar to contact my bank prior to a trip when I travel outside of the state.   If I don't, they'll shut down my card after the  first purchase I make in Seattle or wherever I happen to be.  It can be quite embarrassing.  

 I wish they could do a call before shutting down the card. How simple is "Can you confirm you made purchase xyz?" and maybe a security question or two if needed.

Back in June the day before my wedding we had to pay for hotel rooms and the wedding dinner. They swiped my card in one location for the rooms, then we had to go to the front desk for the dinner, and of course within those two minutes Wells Fargo froze the card. Luckily I was only with my mom, brother, DH and his parents...but it still looks like you don't have enough money when they're all "hmmmm this card isn't working"

[themysteriouswife]

Feb 20, 2017 12:55:07 GMT -5 flex said:

Feb 20, 2017 12:47:09 GMT -5 themysteriouswife said:

They frequently shut my card off since I bounce between GA (where I live) and TN (where I'm from). I understand why they do it, but it's annoying. I have to call them to fix the issue. Their fraud prevention is no joke.

I feel ya.

 I make notes on my Outlook calendar to contact my bank prior to a trip when I travel outside of the state.   If I don't, they'll shut down my card after the  first purchase I make in Seattle or wherever I happen to be.  It can be quite embarrassing.  

I do call prior, but it doesn't always work.

[imojoebunny]

Mine doesn't call me if I spend $5,000 at some random hardware/appliance/building supply type store, but if I spend more than $50 worth on clothes, I get a call/text. They know me well.

[hisno1girl]

They actually called me instead of sending a text because of all the charges I made on Wednesday for flights, hotel, and car rental.

Im glad they check.

[tillie]

They are weird about it. DH has a business card with them. We made a one time charge of over $15K to get the points and they didn't call. Then there was (a truly fraudulent) charge for $339 at BJs and they contacted us because it wasn't the usual one we go to. Either way, I'm glad they are on top of it.

[tellmesomethingood]

Not saying your tip wasn't generous, but wow that they called over $10! They're on top of it, I guess.

[mich1]

Feb 20, 2017 12:47:09 GMT -5 themysteriouswife said:

They frequently shut my card off since I bounce between GA (where I live) and TN (where I'm from). I understand why they do it, but it's annoying. I have to call them to fix the issue. Their fraud prevention is no joke.

We have this problem too.  Only thing is DH (it's his card) is from Canada and his family is there.  We also live within 20 miles of the Canadian border and are up there almost every weekend.  Yet every single time we go up there, he gets a fraud alert if his credit card is used.  And we tend to use this one more than others as it has no foreign transaction fee.  

[themysteriouswife]

Feb 20, 2017 13:49:37 GMT -5 hisno1girl said:

They actually called me instead of sending a text because of all the charges I made on Wednesday for flights, hotel, and car rental.

Im glad they check.

Me too. It helps keep the fees cost low and better interest rates.

[flex]

Last year my bank called me when a $6.95 charge was made to my account right after I got BACK from a trip (I had already notified them when I was actually traveling). I have no clue how that amount came up as a red flag, but it actually was a fraudulent charge and it was dealt with when I went in to a branch of my bank. I'm quite thankful they have such a good system.

[georgeglass]

Feb 20, 2017 12:43:20 GMT -5 kooshball said:

I love their fraud stuff. It's super on top of it.

You just made someone in my house very happy with this. Thank you.