I forgot to mention that when one goes for emergency services and surgery such as bloat, due to the extremely high nature of the bill, you are asked to put down at least 1/2 of the costs up front. I handed over my credit card only to have it declined. Luckily, my husband was able to use his card (over the phone).
I get a call today from the bank fraud centre asking me to call them. I guess my spending patterns for the last day were suspicious so when I tried to put down the money for the vet bill they froze my credit card (gives you an idea of what kind of money we talking about). I was able to get my account reactivated - I still have some big bills to pay today.
I couple of years ago I had my purse stolen and of course all the contents (credit cards) too. Since that time all my cards are flagged and I guess this activity last night triggered that feature. Good to know that it works. I now have it so that if this "flagging" is activated again, they will call me on my cell phone to verify it's me.