I live in the UK and have two credit cards - one with CapitalOne, the other with my Bank (I also have a seperate debit card with this bank). The bank credit card I hardly ever use, except as a "Backup" for if the other card fails... I usually carry it about in a seperate bag when I'm going on holiday, etc.

About 9 months ago I got called form my bank who noticed a small charge being made to the credit card from some random business - something in the region of 20 pence or so. I didn't recognise the company, so they "blocked" the charge and said no more about it. About two weeks later I noticed there were two further charges made on this account I didn't recognise - both for about £10. A quick call and the person on the phone from the bank was able to tell me that the charges were payment for phone "top up cards" somewhere in England (I live in Ireland - so this is nowhere near me). They were refunded, and I got a new card in the post. Zero hassle getting it refunded, nothing else since.

Two days ago, I got a call from CapitalOne for much the same thing - a bunch of small charges made on the card. Given that I use this card all the time for everything under the sun, I watch the monthly statements for it pretty closely. I've had the card for a good many years this is the first time they've phoned me up. The charges in question ended up being something I recognised off Amazon.co.uk - the retailer had charged my account several times for a bunch of small items all ordered at the same time (the day before), instead of lumping them all into one bigger charge. It's probably not the only thing that might have qualified as "suspicious activity" on that card over the years, but it surprised me that they noticed and jumped on the event so quickly.

I've been impressed with the security when ordering online using the CapitalOne card before too. The majority of uk sites I submit it to as a payment method bring me to a secure password login screen, which over the years has evolved from the usual drab and just-waiting-for-an-exploit "Enter your password" business to "enter the Xth, Yth and Zth characters of your [rather-long-and-non-dictionary-attack-brute-forceable] password". I type it wrong (happens occasionally- try remembering the 3rd, 8th and 22nd characters of a long random string of alphanumeric characters offhand at 2am! This also cuts down on the more dumbass/drunk purchases), no sale, and no option to just continue and charge the card "normally".

Apologies, I didn't mean to post that anonymously.
I had cookies disabled and didn't realise I wasn't logged in.
Mod me down here if you want.

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