I think this is often for people who are spending large amount of money on a new card. I tried to charge 3K (on GC/VR) on the second day I got my business gold. Got hit with FR, not much happened. They just lowered my credit limit. I did spend over $10 faxing my tax returns and stuff at Office Depot. That place is evil. Not to mention they won't let you buy VGC with CCs.