<prompt> Human: Weve had a credit card for about 6 years now. In the past 2 or so years weve had our account flagged for fraud about 15 times. This is annoying, embarrassing, and time consuming. Fraud alerts serve absolutely no purpose to me as a consumer, they are only there to protect the bank. The complete braindeadness of the algorithm at is infuriating. Is this a problem with most credit cards or just CitiCards? Weve focussed almost all of our purchases onto a single card that is paid off monthly for points, but its ridiculous. Tonight we got another FEW alert while at a local grocery store a grocery store for fucks sake. They where unable to clear the alert due System upgrade.Im currently quite livid, how do the other companies stack up in this regard? Who do I need to go to, in order to avoid this crap? Is Amex better about this?On the bright side I got 50 out of Citi the last time this happened and I plan to continue to make an stink about this tomorrow. Maybe try to get 100.  <response>: Its super convenient to work everything through one card, but if you ever do get hit with real fraud, recovery will be a lot easier if you have a second card to use while the first one fixes the issues. A backup card would even help with all these fraud false alarms. When your primary card gets declined for fraud or maybe-fraud, you just use the secondary card to buy time to go straighten it all out at the bank. Its a minor annoyance, not a major problem.Although 15 alerts is pretty bad. Unless you are getting an awful of of points its probably worth walking away from that hassle. 