I also appreciate their efforts to prevent fraud. But last fall, it cost me about 6,000 points. My SO went on a buying binge (!) in SoCal. I was away from home on a business trip.....and by the time they tracked me down to approve the purchases, they had already declined the other charges.

I also hope they are not stupid enough to send me a "we are afraid we are losing your business" letter. I pay off my card balance in full every month; it would be a typical "big business" mistake on their part.