By now most of us know the unpleasant drill. The credit card company calls or texts you and says there appears to be an unauthorized purchase. Somehow, that happened (near as I can tell, merely coincidentally) on three different accounts for me within a week in July. One has turned into a continuing pain months later: Apple Card. Some of this is a fault of the card, but the greater fault lies in a weak bit of design in Apple’s platforms I otherwise love.