[ddeck]

Some anecdotal support: I use a US VPN provider when outside the US to access geo-restricted sites. I've had the account for two years with monthly auto-payment via Visa and never had an issue.

The fraud detection team at my bank called me last week to confirm the renewal payment was genuine. The same payment has been occurring every month for two years without issue, so it seems likely something has been tweaked within their detection algorthm.