I don't think they take awhile. I too triggered a fraud alert with them when I made a large purchase. After confirming that it was indeed me, I have yet to have to do it again.
@Anonymous wrote:I got my new discover it card last night, bought gas then went to dinner, today bought a tire at a bike shop all 3 were within 2 miles of my house I guess I triggered a suspicious activity fraud alert. Does discover take awhile to trust ur spending habits? All was well after a click of are these your charges yes they are carry on I just was surprised I triggered the card shut down that fast.
Just checking, you did log on to Discover, go to the online verification to let them know you did get the card, right? Not just peel the sticker off and take it to the gas station?
When I got my Discover back in late July, all was good for a month or so, then I initiated a balance transfer... within a day my card started being declined, and I had both an email and voice mail to contact them. Before calling I attempted to look at my account online, but I was locked out of that as well (!).
Once I called I was transferred to security, and they asked a few questions to both confirm it was 'me' and that I had initiated the BT. Once I told them 'yes' and 'yes', they transferred me back to someone to help with the BT (the first request was canceled). They were very nice, and I told the CSR I was eventually transferred to I would have to call back since I didn't have the other card's details with me. I ended up just going online and doing the BT (again) from there, and the second time all was well.
Since then, I've had no problem with Discover at all... it's been as reliable as a Capital One card. I suspect now that you've cleared up your security problem it will be "clear sailing" from here on out... 