-Gifts -Students studying in a different city/state for college but keeping their parent's home for billing purposes -Recent relocation -Staying with friends

-Gifts -Students studying in a different city/state for college but keeping their parent's home for billing purposes -Recent relocation -Staying with friends/family for a few weeks around holidays etc.. Tons of valid reasons. Of course you reduce fraud as a merchant if you do that, but you also reduce your sales by quite a significant amount (and anger your customers), sometimes it's just not worth it.