I have a chase southwest and I moved. So I updated my address and tried to use card, denied, called and got 20 questions to verify. So got it ok'd . Used it for a week and they did it again, called and got the ,verify, what other ccs, car payment amount, old address. Cleared ok. Then they called my new telephone and asked if I was really me.
Fico 765 thanks to this board
Look at the flip side. I believe they are super pro active in early detection of fraud. It saves tons of hassle down the road.