Annoying extra security on credit card website

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Capital One has recently introduced an additional layer of security on its website. Every 90 days, in addition to logging on with user name & password, the customer has to provide a once-only code which Cap 1 sends to their registered telephone. This pre-supposes that the customer actually has a telephone, which may not be the case, or of course they may be away from home with no mobile.

This seems completely unnecessary, and I am wondering if they are breaking any exclusion rules by requiring the customer to have a telephone in order to use their website?

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