Credit card companies - does it really have to be that difficult? I was trying to chase up two fraudulent transactions (two £20 pay-as-you-go phone top up's - we both have contracts) made last week on my Nationwide credit card, but failed the security check? WTF? I've had the card for nearly 8 years and none of my details have changed in that time? My date of birth is still the same, been in the same house for 27 years, same phone numbers, but no, you've failled? So now that's locked until they send a new password out to my home address, not the end of the world but far from ideal. We almost never use the card so spotting fraud is dead easy and we were going to close it anyway as we have a new card with a different bank. We'll not use that very often either, but that was an ordeal to activate and involved codes, passwords & pins that I'll never remember... It really doesn't need to be this hard.