>That's what really annoys me - in no cases has there been a sudden flurry of rapid transactions, and so the risk of trying to get hold of me before blocking the card is rather small. Instead they block first and tries to call afterwards.
I'm not sure what the laws are in your home country, but in the US, banks have incentive to block first and ask questions later because they're legally on the hook for any fraudulent charges under federal law. Quite simply, they'd rather mildly irritate you than potentially lose money to a lost or stolen card.
I'm not sure what the laws are in your home country, but in the US, banks have incentive to block first and ask questions later because they're legally on the hook for any fraudulent charges under federal law. Quite simply, they'd rather mildly irritate you than potentially lose money to a lost or stolen card.