On the flip side of the coin, I have a Morgan Stanley credit card that I've given up using, simply because every single time I used it they would refer it through to the fraud department.
It has plenty of credit limit, I pay the whole bill each month and also have a direct debit setup so that if, by a slim chance, I forget to pay them they still get a payment each month. In all respects I'm a model customer....and yet, every time I used the card they left me standing by a checkout somewhere going through five minutes fraud rigmarole.
Once, and only once, I signed a cheque on this account to pay for my sons Uni fees because I had mislaid my current account chequebook. You guessed it, I got a call from their fraud department as soon as it was presented to check that I had actually written the cheque out.
I guess too much zealous fraud detection is better than not enough, but it's driven me to the point where I simply don't use my card....
While we're at it, has anybody else noticed that every Nat West cashpoint has a sign saying to report it if there is anything suspicious about the ATM machine, and then the ATM takes your card in a very graunchy way as if the embossed letters are rubbing on the top of the slot - for all the world as if someone has put some sort of skimmer device in there. I thought it was just my local branch, but they're all like it.
Jools
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