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wasoxygen  ·  2645 days ago  ·  link  ·    ·  parent  ·  post: The Dumbest User Interface of 2016

    Credit card fraud doesn't fall on the cardholder though.

Not directly. But money a bank loses to fraud is money the bank can't devote to making a more attractive product. Cardholders collectively pay for fraud in the form of higher interest rates and fees, or smaller benefits.

I think customers are happy to have tools like freezing to reduce unauthorized use, as long as they don't introduce a lot of hassle.