c2it's claim, I think, is not that it is fraud, but that it is not for it's intended purpose - like to send money to your kid at school, or pay money that you owe, for an auction, for example. So, if they view your transactions as only to get miles, they don't like it. So, if you send money to your wife, and she sent the money back to you, over and over again, that looks suspicious to them. So, the more people involved in your transactions, the better off you are.

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Ms.DtG