It feels like the "unique" part that makes this something novel about this is that they claim you authorized fraud when you raised your limit, accidentally letting a transaction you couldn't see through.
So the scenario is roughly (numbers made up):
1. You set a £500 monthly card limit
2. Your card is stolen and somebody charges £1000
3. You get a notification saying you have hit your limit
4. The failed, fraudulent, transaction is not listed
5. You increase your monthly limit to £1500
6. The fraudulent transaction goes through
7. You can now see the transaction
8. You cancel your card and report the fraud
9. You're told by raising the limit you authorized the fraudulent transaction that you couldn't see before you raised the limit
That's insane...
So the scenario is roughly (numbers made up):
1. You set a £500 monthly card limit
2. Your card is stolen and somebody charges £1000
3. You get a notification saying you have hit your limit
4. The failed, fraudulent, transaction is not listed
5. You increase your monthly limit to £1500
6. The fraudulent transaction goes through
7. You can now see the transaction
8. You cancel your card and report the fraud
9. You're told by raising the limit you authorized the fraudulent transaction that you couldn't see before you raised the limit
That's insane...