People expect me to give a black & white answer, with clear amounts and frequency, when there aren't two cases that are the same. Things might look similar from a back-end perspective, but then the reality would be completely different.
Imagine if you had friends from overseas visiting you in Malaysia, and one of their kids had a sudden health emergency. Some hospitals won't even treat you unless you pay money upfront, and that can be quite a lot. Insurance will reimburse, but not put money upfront. In order to save some dough, you guys decide that they're going to use their home credit card to top up your BigPay and that you're going to take out the cash at a local ATM. After calculations, it's still a lot cheaper than paying for foreign exchange and mark-up fees and ATM fees...
For a few days in a row, you might have high amounts being topped up from a CC that doesn't even belong to the BigPay account owner with immediate ATM withdrawals. On paper, could that look like a stolen CC being used to take out cash? Potentially.
But the reality is different. That's why our team will always call you first if there's anything that might trigger our system.
It's not that I'm avoiding the topic. It's just that there's no clear-cut answer.
Actually BP is monitoring something that credit card bank should do but since credit card bank didn't care so much as long as we are getting the CB within the limit they have set, i don't know why BP still wanna set their own limit while they already charged RM6 and RM10 for local and overseas withdrawal.