Not always. It will be easier to go after high income middle class types than HVTs, who will likely have someone watching things closer than busy working folk.

Not always. It will be easier to go after high income middle class types than HVTs, who will likely have someone watching things closer than busy working folk. If you hit a target for multiple low value charges you face less scrutiny than large transactions. Fraud should pickup multiple purchases of the same product to different addresses though.