We use Chase for our CC and we’ve had them put a hold on our card if they think the activity is suspicious (which we appreciate.) Once we bought a computer at the Apple Stores, and they charged out the computer, the software, and the accessories as three different charges, and Chase wouldn’t put the transactions through until they checked with us.
BTW, I'm waiting to hear the banks pi$$ & moan soon (w/in 8 months) over all the credit card defaults that come after a while from those struggling and haven't been able to find work. Remember 2003 recession and the soon afterward bankruptcy laws were changed?
That kind of stuff can backfire on you, too. I charged a purchase on the internet in Oregon and two hours later tried to make a purchase in my home town at a gun shop. My CC company declined the second charge requiring me to use another card.
When I called Chase, the person on the phone (who spoke broken English) explained that it was impossible for me to charge something in Oregon and Indiana that close together. It was a fraud trigger. The next day I called the Fraud department at Chase and calmly explained that if they ever declined another charge without checking with me first, I would cancel the card on the spot.
They did and I did.