I have a Capital One credit card, and I love it. Low interest rate, works really well. I only have one beef that has cropped up recently. My spending habit isn't very erratic, and it looks something like this during the month:
Now, for the last two months, I've gotten several of the restaurant purchases flagged as fraud, and the card locked down until I call them and sit on hold for 2 hours to say that Yes, that purchase at Earls that I make every month is in fact my purchase. Please unlock my card so I can use it and pay you money.
Now, I appreciate the fraud response, and I understand the reasoning behind it, but when you are flagging purchases that fall precisely in my usual spending habits, there is a problem with your algorithm.
Second beef, when you lock my card down, I can no longer use the website to review my purchases so I can't see if there is suddenly something that I didn't authorize on my account. No, I have to call you, and have you read the charges back to me. One of these days I'm going to buy something like "Anal sex 4, horses for courses" just so the clerk has to read it back to me.