The issue I had was the first time I bought gold, I used my husband's name, the 2nd it was mine. It is the SAME card # but they didn't look at that, only the name so they flagged it as fraud and refunded money to the credit card (telling them its fraud) and suspended my account. My credit card company is pretty heavy-handed when it comes to suspected fraud, so it takes quite a bit of effort to get them to back off, and if they had just looked at the card number they'd have seen it was the SAME CARD.