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Originally Posted by Grant Johnson
They also go on you history too - what's normal for YOU. I don't have issues any more as my travel is "random" and frequent - and therefore normal. (I DO tell them I'm going.)
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Quote:
Originally Posted by Rapax
Your behavior patterns, your product categories and the amounts you spent are analyzed by subtly model algorithms that finds patterns and rules so that it can classify whether a transaction is fraudulent or is legitimate.
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Yes, I generally understand that, and the problem is that 99.9% of the time I'm sitting at home...haven't been doing much traveling in the last few years (moved, got a dog, etc. etc.).
I guess my plan will be to use the Revolut card as much as possible (fuel, meals, cash) and then use another card (which seems to work everywhere) as my main back up, and then another card as an ultimate back up (although it is the worst in terms of getting blocked/not working.
Anybody have any suggestions on how to "train" an algorithm when you land in a foreign country? I read somewhere that if you buy a ticket to a destination with a card, that card will "know" that you are there and so be less likely to block transactions? Or maybe start by getting a little cash out of an airport ATM? Just start with small purchases (fuel, meals)?
If it seems like I'm paranoid about this, its because just about the last thing I want to do while traveling to new places is spend 90 minutes on the phone with a #%&@! bank to get my card re-activated.
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