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With $9 billion in fraud losses in the United States, according to an October 2016 report on card fraud worldwide, credit card companies eager to stem the tide are continually beefing up their anti-fraud measures, relying on sophisticated computer software to flag suspicious transactions.

Trouble is, what looks like a red flag to a computer may just be you trying to make a mundane purchase. "The credit card companies – Visa, Master Card, American Express, Discover – all have their own proprietary technologies that look for anomalies in your spending habits," said Robert Siciliano, an identity theft expert and consultant based in Boston.

When your credit card company stops a thief from charging fraudulent expenses to your card, you're thrilled.

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