Do you guys always ask for bonus points whenever a transaction doesn't go through? Feel odd asking because at the end of the day, they're doing it to protect us in case someone stole the card...
You're joking right? The bank is liable for fraud unless you can be proven to be grossly negligent.
When the CSR's tell me they declined a charge to "protect me", I cut them off and ask them to please not lie to me and remind them who is truly liable (the bank). The bank's actions are never to protect you, always themselves. Then you point out I have xx,xxx limit to use, I pay an AF for the privilege, you embarrassed me, you inconvenienced me, and AMEX gladly accepted the charge Because AMEX always does).
I've gotten Barclays, Citi, Chase and Disco to all give me the rewards for denied charges. And I got Barclays to waive the Aviator AF AFTER they gave me 15,000 courtesy miles.