The is a total pain in the backside and often I am renewing a transaction from around the same time and amount as last year - EG renewal of insurance etc. Surely the system can do this basic check before refusing a transaction. OK to force me to check with the app on my phone but not refuse it point blank.
It's positively putting me off doing online transactions. Surely it keeps everyone's costs down going online and not having people, but I'm finding its better to call in that to try and do it online. Its usually quicker!
I do want my card protected and I don't want fraud but the system has access to my records it ought to be a better experience than it is.