I had this two times in last 2 months now. My wife and i have one credit card we have in case of emergency. We literally never use the damn thing and very, very rare to use on line.
But these buggers did one for 24 dollars, it went through. Then they tried for 2400.00 and it was flagged. Our limit is low also, just in case this ever did go through. They stopped it at our bank, fully refunded the 24 dollars and shut the card off....
Brutal...It was a charge from Nigeria as well.....buggers.
So i lowered our limit even more, and if we do book a trip if ever mandates drop, or need to use it for some item only attainable with CC, we can put on more of a limit increase as there is a lot available and we can turn it on in case of need or emergency.
Our bank doesn't even need any verification anymore, it is all voice recognition now as well, which may be better than password and mothers maiden name etc...
Crazy times, and more crazy coming...