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As annoying and inconvenient as this can be, I give full credit to the relevant bank for its actions. As long as they promptly and courteously fixed things up I would appreciate rather than condemn their actions. Customer service, of course, could be better. I once had a telephone call from my bank minutes after an overseas transaction was declined asking me if I wanted to proceed with it. When I confirmed I did they adjusted their system and I was able to go back and make the purchase a few minutes later. That, of course, was exceptional.
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