My problem with it is that I'm essentially being punished for having fraud protection on my credit card. In all honesty, fraud protection does absolutely nothing for me, because if fraud is committed on my card, why should I care? It most likely wasn't my fault. In the end, the credit card company won't bill me for the fraudulent charges. Fraud protection saves the credit card company money by preventing them from having to pay for things their actual cardholders didn't buy. It does absolutely nothing for the cardholder, so I don't really understand why it's advertised as being beneficial. I couldn't care less if the credit card company has to pay for fraudulent charges, but I do care if their efforts to prevent doing so hold up my life and the business transactions I have in place to better my life.