Did someone use your card?
No, it was me using it differently than normally. Mrs. got the call within a minute of one of my purchases so I was pretty sure they were just verifying rather than reporting a theft.
I'm actually happy and impressed when that happens, as long as they reach me right away and don't impede my purchase. It gives me hope that they'll catch a real fraudster.
TD has caught two with my card there. Each time I went to LA with it. A couple of weeks later they noticed unusual transactions, called, blocked the card and sent a new one overnight. None of the false charges ever appeared on my bill.
Years ago, 'Bent's family was impressed when the bank contacted them after a fraudster used his Dad's credit card on a Saturday. He was a Conservative Jew, which the bank didn't know but they had somehow noticed that he never used his card on a Saturday, the Jewish Sabbath.