Since we've been married, we have used a Bank of America MasterCard. They are extremely overprotective about fraud and making sure that we are the ones using our card and making the purchases. However, instead of using technology (like text messages, a phone call, or email) to contact us when a "weird" or fraudulent purchase is being made, they just decline the card. This has happened to us several times, and it's quite embarrassing. Especially when we put thousands of dollars on our card each month and pay it off completely each month. I understand the protection and am thankful for it. But it's a bit much when the actual owner of the card can't even use the card. If we make a purchase outside of our usual purchasing area, they shut the card down. Andy changed our address on the cards before we moved to Katy, but it still didn't help. They shut our card down after we made the large purchase for our flooring. We never received any notification that they were going to shut it down until it was declined that same evening when I was purchasing our new gas grill. Long story short, they have issued us 3 new credit card numbers in the last week because of all of this safety protection.
We are finally fed up and are switching banks/cards. We are going to a Capital One Visa because they offer 1.5% cash back as opposed to the 1% cash back that other cards offer. I really wanted a Chase MasterCard since we now bank with Chase and they actually use the new technology available for banking. But I didn't win. Honestly, I don't really care. Andy does the finances for our family, and he did the research and decided this was the best card for us.
Apparently, you can personalize your credit card and this is how Andy designed my card. So cute!
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