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I have a mastercard with hsbc. i know they take fraud prevention seriously, but most of the time they go far. i am usually unable to purchase items online, as my card will decline, and now it has started declining in shops , simply because the purchase is "unauthorised". they frequently call me to verify that i have made particular purchases, which even though it only takes a few minutes, is odd because they want to verify that i spent £10 in the supermarket?! i could comprehend it if it was a couple of hundred pounds. eextremely few months they decide to cancel my card and issue me a new one as they say that somebody has obtained my card details. i then have the inconvenience of being without a card for two weeks, as well as having to go to the bank in person to collect my new card. i have excellent credit and pay my card off in full eextremely month. i am wondering if i should switch to another bank, or if other banks put their customers through this trouble as well.

Change to mbna which are very nice and their help lines are based in the uk. they also answer pretty quick and they are freephone. if you do not want to change then threaten to by letter if the service does not improve.