Originally Posted by
RedSun
Agreed. This is just a huge credit cycling and is a no go.
But spending patterns can certainly change. I receive alerts from time to time when I use some inactive cards, or put on some "large" charges at drug store and gas stations where banks are very concerned with. But after the initial alerts, those cards are open up.
I agree that spending patterns change. My point is that if they do, Amex will initially hold or decline the charge and alert me with a query as to whether I made the charge or not. For the past several months this has meant me chasing down the SO and asking her
. The answer has been "no" for the fraud charges and I let Amex know. That instituted a whole plethora of events leading to a new card for the SO.
My initial point is simply that "they know
".
And anything out of the ordinary is going to be picked up initially by an algorithm and if blatant enough, by rats, and either is going to lead to probing questions.