In reply to daWalt:
> banks seem altogether more on it than in the past for blocking payments, temp restrictions your card etc. for any "unusual" activity - probably because they were being hammered by CC fraud in the past, and it's pretty easy to call and confirm.
my bank stopped me from buying a £7 cinema ticket online via my phone app one Saturday evening, telling me there is a problem and I need to contact them (in contactable hours i.e. not before Monday morning)
The problem that they had detected was that someone had managed to clone a lot of my laptop presumably via the Ticketmaster massive data leak earlier this year, and set up a secondary PayPal address within my PayPal, and make two purchases of £220 (a test) and £1600.
These transactions were validated by my bank even though they had clearly seen it as potentially suspicious activity.
I got all the money back fairly painlessly via PayPal, not via the bank.
But it's odd that they blocked my £7 purchase from a device and location they should have recognised, and authorised a pair of major purchases from elsewhere!
I was impressed with PayPal's remedial action and unimpressed with my bank.
The same bank twice blocked me from using ATMs in Peru despite my having informed them of travel plans beforehand. In both cases I needed to make long expensive phone calls to sort it.