Originally Posted by Carl

The trick (YMMV) is to put the card away and (after clearing the alert which hopefully instantly resolved) then say, "here, I'll use this card instead" while you swipe the same one again. It doesn't work trying to talk logic and explain that it's common for banks to send an SMS asking you to confirm a large transaction before it's approved. And needless to say, never use the word fraud at all. It's like trying to joke with the TSA.