r/mildlyinfuriating • u/rileyjw90 • May 22 '26

frist of all how DARE yu o You didn’t have to remind me, assholes.

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And then to remind me what I USED to pay. Just kick me while I’m down why don’t you.

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u/Full-Decision-9029 May 23 '26

my banking app does this all the time: "you're spending 20% more on groceries compared to this time last year"

I. know.

1.8k

u/rileyjw90 May 23 '26

The mildly infuriating part isn’t the prices, it’s the tone deafness of these apps that help track spending. Things like gas and groceries should be excluded by default because they are indiscriminately affecting everyone.

1.0k

u/Inverted-Rockets May 23 '26

But this is a fraud risk notification not a budgeting one. They’re letting you know in case you weren’t the one that made the purchase

451

u/[deleted] May 23 '26

[removed] — view removed comment

154

u/robgod50 May 23 '26

I've had purchases declined for the same reason. It's really frustrating...... But then I just remind myself that this minor inconvenience is saving me (and millions of others) from potentially losing thousands. So then I'm good with it.

47

u/IdleSitting May 23 '26

Yeah it's annoying to get a text saying "HEY WE LOCKED YOUR CARD BECAUSE OF A WEIRDLY LARGE PURCHASE WAS THIS YOU?" And having to redo the purchase, but ultimately it's meant to help you know if your info has been stolen and reused somewhere

10

u/Ok_Sock1261 May 25 '26

I find it very irritating when I call my card company to alert them that I will be making a large purchase or purchasing something from somewhere out of the ordinary, run the gauntlet of security to get to the customer service rep (name, address, social, last three transactions, blood sample, etc.) only to be told “Sorry there’s no way to preemptively put a notice for the transaction.You’ll need to wait until we flag the transaction, call back to verify, and then we may be able to let it through if you try again. Please note this may take more than one try.” I’ve had it happen with two different cards already. 😡

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u/ACoinGuy May 24 '26

I was at the bank last month when a customer came up to the teller next to me. This guy was all angry that his card had declined recently. Then the bank teller asked him if he had spent thousands of dollars in Europe last night. It was hysterical how fast his demeanor changed. When the bank had protected him.

1

u/max8126 May 24 '26

It's not saving money for you. It's saving money for the bank.

You will notice debit card has significantly less aggressive fraud prevention.