Their anti-fraud protection shut me down pretty frequently for a while. But I seemed to "train" it after a few weeks. It's easy enough to confirm charges and get the card re-activated, though. The trick is knowing that a card is restricted so you avoid running into a charge being declined.
When the fraud protection kicks in, consider it to be like a fire drill. You're seeing the first steps of what happens when there's real fraud. Because I had actual fraudulent charges on two Capital One cards this year, I'm glad the protection is there. Cleaning up the messes went pretty smoothly.
