American banks don't seem to know anything about it Well, mine certainly does (US Bank).
But at least I have them.Now, I'm going to have to do this all over again next week for our next TGV ride! So I basically have to call if I ever want to do a balance transfer.Yeah, I don't mind the verification...but if the verification process is broken then, maybe they should fix that lol! I'm not sure if that will work but it's worth a try.

I've had luck with just running the same card a second time. This is similar when I learn about "chip and pin" in most Europe and "chip and signature" in US.

I then dealt with the automated customer service system, which said I was OK. No, that didn't work either. No problems doing this online before.We'll send a notification to your Capital One Mobile app. Often this requires significant wait time, which is very surprising given that any person calling fraud alert could have a serious issue as far as Cap One knows.

One day, when you try to make an online purchase for something in Europe using an American credit card, and the transaction fails over and over and over, no matter how many times you try, no matter how many times you call your bank and alert them (and they assure you you are good to go for foreign transactions), come back here and search for "3-D Secure" and it will make sense.@David. Here's what Rick Steves staffer Laura said about this, in response to my original post on the problem back in January:The 3-D Secure standards are a common problem for Americans trying to make online purchases on those foreign web sites that have chosen to implement the procedure, including many in France and many railways (France SNCF, Norway NSB, Austria OEBB, etc.). " I did, then tried the DB transaction again, and it went through OK.It seems like credit card companies constantly tweak their fraud algorithms and who knows what will work on any given day.It’s not good that we always have to just wait and see if a given transaction will go through.I actually find it quite annoying when my domestic charges get blocked and my card denied after booking a hotel or train overseas.

I have been using my Capital One credit card booking museum tickets in Italy. And yes, CapOne has said they no longer set up travel alerts like my other card does. Short-circuited" is a good description - if it doesn't detect that you're in the program, it does just stop the whole approval process.You can read more of her response (and more about this problematic system) in my original post from january here:You may have run into this new (and highly problematic for Americans) "3-D Secure" system. Try buying at If you don't want to believe me, fine.

Charges have been blocked when we didn't do that. Wouldn't go through, even got the Capital text to confirm and still wouldn't, so I went to the site on my phone and used my card without issue. This could be a real problem for those of us from the States who like to travel in Europe.

Yes, occasionally a bank will decline a transaction suspecting fraud (happens to me occasionally at home, too) and in those cases yes always follow up with your bank. Two years ago, Cap One started requiring
They were bought by someone else and discontinued the dog food we been buying. I don't believe that's what this is about.There's a new "security" layer added in-between the vendor and your bank. In fact it has nothing to do with your bank AT ALL. Re: CapOne phone number verification


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