Could it not be the strange-ness of the situation that makes the "alarm-bells" ring?

I mean if you are a private banking customer, and suggest you are a big spender. Why on earth would you want a credit card with 5000 SEK limit?

I SEB's situatuation, at least I would think like that. I would have felt it hard to believe that there wasn't anything fishy going on. (not suggesting there is, of course)