[greggman]

It is the consumer's problem for me. Because I travel a lot I get charges denied because the card company's computer decides the charge looks suspisious. I have to spend 20-40 minutes dealing with it on top of which I lose hotel reservations (last room available->charge denied->20-40 minutes to resolve->room gone) or I'm standing in a line to buy something, charge denied. Now I have to go somewhere quiet to spend the 20-40 minutes to resolve. Then get back in line. This happens about once a every 2 months. It's super annoying.

It's infuriating there's any chance for fraud at all when it seems like a solveable problem in 2015