[nswango]

The "transaction outside usual hour range" seems pretty basic.

I don't usually buy gas, coffee or snacks at 2am. But on the very rare occasion that I do, I'm dealing with some kind of personal emergency and don't also want to have to call my bank.

I get that that's also a time opportunistic thieves, etc, might be operating. But the cost of false positives is also a thing.

[adrian_b]

On the other hand, for online transactions I frequently do them outside the usual hour range.

However, before going to a distant country, which was also in very different time zone, I warned the bank that issued the card that I intended to use, so that they would not consider suspicious either the place or the time of the transactions.

[ErroneousBosh]

Two things I have found that absolutely positively freak the shit out of my bank:

Buying a full tank of gas and then a full tank of petrol (dual-fuel vehicle) in two separate card transactions one after the other. Can't use the same pump, annoyingly, at least with the old system in Morrisons. Don't know if it's different since their petrol stations have been bought over by Motor Fuel Group.

Similarly, buying a full tank of gas at Morrisons in Bradford where the supermarket chain's headquarters are, then driving five hours north and refuelling again in a different Morrisons which show the transaction as coming from their banking systems in Bradford but tagged as a city in Scotland. This is apparently because it's implausible to drive from the central England to central Scotland in a few hours, and then need to refuel.

They are (or was at least, last checked a year ago) 100% repeatable.

[joseda-hg]

Oportunistic thieves sure, but more knowledgweable thieves would 100% try to replicate more normal usage patterns, like buying gas just after normal work hours