Update on the eBay purchase - I'm getting mad

I am convinced the U.S. banking industry is garbage. I am using my Bank of America credit card for this phone purchase on eBay.  It turns out, my little “clever” trick I pulled (described in my previous post) was flagged as potential fraud.  So, of course the purchase was put on hold. I get an email from the eBay purchaser saying the payment didn’t go through.  I tried to log onto my BoA account, they sent me to this webpage to confirm my previous charges, the eBay purchase was flagged as suspicious. ok, so I think I got around that, but i’m going to rant about BoA’s “security” procedures.  Their “SiteKey".  Go on, click on the link before to read about this amateur show “security product”.  This is a stupid, essentially cookie-based “identity confirmation” feature which checks if you’re using an “authorized” computer, if not, then asks you a pre-defined question about your family or old school or something.  Rediculous. If these guys were really serious about security, let’s join the rest of the world and use two-factor authentication, like our friends at HSBC (note: not their U.S. subsidiary - in fact, their China-subsidiary has it for crying out loud).  They can use a nice USB Key with certificate or a token (like RSA SecurID).  My China bank account, ICBC, uses a USB Key.  What is wrong with U.S. banks?  Bunch of cheapskate amateurs. Any way, back to the eBay purchase.  I think I settled this, will check tomorrow to see if the order is going through…..