Agreed. Their algorithms are scary, in a good way for me. Twice in 3 years I’ve had my stolen number used to buy something. Both times the company texted me within an hour or so. The nature of the charges weren’t something that I would think was out of the ordinary for me…I travel a lot, and these were charges in neighboring states at big-name stores, but somehow it smelled bad to them.
Granted, they also texted me 2 times for charges I DID make, within minutes, and a simple text response was enough to free up the card again. Both were with NewEgg.com … I guess they’ve had a lot of fraud with people buying stuff there with stolen numbers.