That kind of stuff can backfire on you, too. I charged a purchase on the internet in Oregon and two hours later tried to make a purchase in my home town at a gun shop. My CC company declined the second charge requiring me to use another card.
When I called Chase, the person on the phone (who spoke broken English) explained that it was impossible for me to charge something in Oregon and Indiana that close together. It was a fraud trigger. The next day I called the Fraud department at Chase and calmly explained that if they ever declined another charge without checking with me first, I would cancel the card on the spot.
They did and I did.
I work for an online retailer. We use AVS and a couple other means of checking the invoices that come in. Sometimes our customer’s are annoyed, but mostly they’re relieved when we ask for a call or try to contact them because their bill to/ship to is different, or because they’ve placed multiple orders in a short space of time.
We’ve had fraud, in the past, when the AVS pasted muster, but the ship to was to a different address. In fact, one time, it was to a vacant house, and the perp was using a stolen card number (and they knew the CCV code), so there were no flags on our end. But they had it shipped to a vacant house, and used the tracking number we send to know when the package was to arrive. Local police in that city helped us and I believe they were able to arrest the guy and our company wasn’t the only one he was ripping off.
So certain items, over a specific dollar amount, using a different bill to/ship to will get extra scrutiny from us. If we can’t connect the ship to to the customer (using databases and other tools), we attempt to contact the legitimate phone number at the bill to, or verify a cell is listed to that person and call them to make sure they want their order shipped to a different address.