Quote:
Originally Posted by MobiusMike
As an example, I have a debit card with a major U.S. bank and was out and about and decided to buy a few things at Best Buy (new t.v. and laptop for the office, etc. etc.) my bill totaled out to approximately $3300 with everything and when I went to pay my card was declined even though there was significantly more than that available. I called immediately, concerned that there was a problem with my account and the Risk Department at my bank said they routinely decline large purchases that are "out of pattern". They released the hold and I was able to complete my purchase.
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Credit cards here do similar profiling. I had my card stopped earlier this year as I had used it loads on the internet then made a purchase in an actual shop (wasn't huge either only £90) and that was considered uncharacteristic
