Add clueless to the list, since I'm not sure if I'm being tossed into the "gullible category" here.

My Chase MP Visa is the first card I have held that wasn't issued by my personal bank (The same bank I've used for the last 25 years).

So I'm not sure what sort of a baseline of spending patterns and habits Chase has developed on me in the short time I've held their card nor am I sure what level of granularity that information might entail.

As a person that has had spurious charges appear on other credit cards (all noticed and successfully contested) I was grateful that Chase did this.

They never made any specific claim as to why nor did they attempt to take credit for what they were doing.
They just did what they were supposed to do. I like that and said so.

It shocks me to know that there are people hateful enough or arrogant enough to think they know another person's motivation...