You are correct. I tried to buy a Macbook for my daughter and have it shipped to her home, and my CC company put the security smack down on my CC. I had to call them and provide security info etc and explain, then they approved. I went back to Apple.com and clicked to resubmit the charge and it worked.
Thanks for the response. Yes...it is very often the credit card company itself.
I think that electronics purchases create great big red flags for credit card companies.
I wonder how many orders for computers a company like Apple gets per day to be shipped to Nigeria using (stolen) US credit card numbers?