I had to ring my bank last night because they had put a stop on my card. What's more, I had been receiving funny automated phone calls asking me to reveal all my personal details (which, needless to say, I red buttoned immediately).
It turns out that my bank's system detected a change in my habits. For years they have seen expenditure on my account from places like Waitrose in swanky Berkshire.
Then all of sudden they saw spending in places like Cost Cutters in darkest Manchester (not normally a holiday location in their eyes, I suppose).
So they put a stop on the card. Fortunately, all was well after I explained that I was indeed that Manchester Cost Cutters customer.