I have one card that I use almost exclusively traveling. It has been locked out/declined any number of times. I always get an email, but more importantly, a text, as soon as the transaction is declined. It is always the security dept. I then use another card, go to the vehicle and call the 800 number to go thru the "fraud" reinstatement. I used to get VERY agitated when it happened because it's embarrassing. Now, like John, I view it as an attempt to protect me and others.
It happens primarily when I leave my home state which is all the time. I call them if I'm going to make a long trip and sometimes it helps, sometimes it doesn't. I've had it declined when making the 2nd fuel purchase in the same state on the same day. If traveling, just be prepared and have a 2nd card on hand in the event it does happen, or, stand at the register/pump etc. while you call in and spend 10 minutes getting it reinstated....I don't like that option
