[_bxg1]

If it was just the first point, the customer should be able to confirm that the activity was intended without even going through human review. It should be like when your bank texts you to confirm an odd transaction. They don't simply lock your account.

It sounds much more like it was the second point, which is unsettling. It's one thing to plan your pricing based on the assumption that most customers won't maximally-utilize. It's another thing to enforce a soft-limit that's vague and below what was advertised. I'd much rather have a lowered, known limit than whatever this is.

[oefrha]

I totally agree, but unfortunately my bank (a major U.S. bank) does block a transaction and sometimes lock my credit card completely when they think the transaction is suspicious. There’s no confirmation mechanism, I have to call them to get the card unlocked. Of course, this usually gets resolved within five minutes (except that one time when I had to renew a .ng domain, and the Nigeria-originated transaction got auto-blocked three times in a row, and eventually the case had to be escalated to override their security mechanism entirely), not 29 hours.

[usefulcat]

> They don't simply lock your account.

Capital One did this to me once, and refused to restore the use of the blocked account even after I immediately called them and confirmed that the transaction that triggered the block was not fraudulent.