Originally Posted by
veganmacrochick
true true.
I went off on citibank. Perhaps I should understand that there are so many scammers around and so much fraud. But, they are really protecting themselves not me as they are the ones that have to pay for fraudulent purchases. I just find it annoying that I have to have citibank be my parents, asking permission to use MY card, spending MY money when I leave town. Citibank aka babysitters of my cash?
Babysitters or parents isn't quite the right analogy, as babysitters or parents might say no. Citi just wants you to tell them in advance if you're traveling to a place that is outside the norm their algorithms determine from your history so they know it's you using your card.
Incidentally, my credit union's web site has a link to notify them of travel plans in advance so I don't have to pick up the phone; it's annoying that Citi doesn't. (I use the credit union card for travel abroad because it has only a 1% foreign transaction fee, and I always get much, much better service than from a big bank.)