system
A chat on subreddit /r/wallstreetbets
human
It's not fraud to Amex at all, Amex doesn't give a shit what you buy as long as you pay back the balance and the card is under your name. 
  
 It's against SQ's TOS but that's not anything similar to an accusation like 'credit card fraud'. 
  
 More than likely, SQ doesn't even give a shit because they still get their swipe fee.

gpt
This one time Amex got very very angry with me for running a charge to my own business.  Almost shut down my merchant account and all my cards. It was only $7k.