All you want to do is argue so have a nice day.
Not at all. Why not spell out your point? I've asked you twice to clarify the exchange I quoted above.
Again, if it's a bad idea for this guy to do this once, when part of the charge was made to the card he planned to use (i.e., when he has a semi-plausible excuse), then it's unclear how it could be a good idea when
none of the purchase was made to a card.