Their fraud detection algorithms are specifically looking for small, localized, per-transaction events with few data points as well as overall patterns-- I doub

Their fraud detection algorithms are specifically looking for small, localized, per-transaction events with few data points as well as overall patterns-- I doubt it would be that straightforward. It might not mean you'd be targeted, but on a per-transaction basis, I there's a good chance you'd get blocked for any individual attempt even if you got a match.