3dsecure is security theater, I hate it so much. It doesn't matter if you have 3dsecure, because a scammer can use your card on some site that doesn't use 3dsecure. All 3dsecure does is making it harder for me to pay to legitmate websites in the EU. But wait, more often than not I can't pay at all because (in my case) 3dsecure uses SMS, and SMS delivery is unreliable, I can't get SMS from my bank when I travel to the US, or even some when I travel to some other EU countries. For me, it doesn't work approximatively 50% of the time.

And of course, SMS 2FA is not secure at all. Now if there's fraud and the scammer used 3dsecure with spoofed SMS, good luck convinging the bank it wasn't you.

"But SMS is not the only option" you say, "other banks have better 2FA", actually, I use other banks too. And they have something insane for 2FA: https://lobste.rs/s/1cyltz/two_factor_authentication_now_ava....