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Same goes for spending limits and region tracking/locking on checking accounts and associated debit cards.
When moving from BoA to a credit union, I was astonished at how this service was enabled by default. I once purchased a large TV and got a call from the bank's security department confirming the transaction, as I was putting it in my car. I would expect no such service from a major bank.
I've gotten those calls a few times from BoA. But it's always like 2 days after. And it's not necesarily big purchases. I've gotten a TV and been fine. But I got Minecraft when that first came out, and got a call for that. One time I got a call for getting lunch at a fast food place. And these are so far and few in between that they don't really make me feel safe. It's more so just annoying.
I honestly think it has to do with patterns and profiling. The credit transaction processing "data warehouse" middleman has a all the metadata needed to pull this off - so behaviors like fraud can be correlated across many banks and accounts.
In my case, it was the biggest buy I had made on that card to date. Or maybe that store already had fraud problems on record.
That actually would make a lot more sense for Minecraft then. Lol