Men Over 50 Are Being Flagged for These 7 “Risky” Online Purchases

January 16, 2026

AI fraud detection — Image Source: Shutterstock

Fraud detection systems have been put in place to keep you and your finances safe. However, they can be a bit of a pain if you just want to use your card for an online purchase. Something you might consider completely normal might be flagged as “risky.” Why does this happen, you ask? Well, AI systems have been trained to spot patterns that deviate from your typical behavior. And because older people are increasingly targeted by scams, your age may have more to do with why the system is flagging your purchases too.

That said, there are certain online purchases that raise red flags. Knowing which to avoid can keep you from unnecessary financial headaches. Here’s a look at seven online buys that could trip the fraud alarms.

1. High-End Electronics from Unfamiliar Retailers

Buying a drone or smart home system from a lesser-known website might seem like a savvy deal, but AI systems often see it differently. These purchases are frequently associated with fraud rings that use stolen identities or credit cards. If you’re over 50 and suddenly splurge on a $1,200 camera from a site you’ve never used, the algorithm may flag it as suspicious. This is especially true if your past purchases have been more modest or unrelated to tech. To avoid delays, stick with verified retailers or use payment platforms with built-in fraud protection like PayPal or Apple Pay.

2. Cryptocurrency or Digital Asset Platforms

AI fraud detection tools are on high alert when older users suddenly dive into crypto. Scammers often lure retirees into fake investment platforms promising high returns. If you’ve never bought Bitcoin before and suddenly transfer $5,000 to a new exchange, expect a fraud flag. Even legitimate platforms like Coinbase or Kraken can trigger alerts if the transaction is large or out of character. To stay safe, verify platforms through FINRA’s Scam Meter or the SEC’s investor alerts.

3. Luxury Watches and Jewelry

A Rolex or diamond bracelet might be a well-earned treat, but AI systems often associate these purchases with money laundering or stolen card use. Men over 50 are frequently targeted by romance scams that involve buying expensive gifts. If your account suddenly shows a $3,000 watch order shipped to a new address, it could be flagged. Even if it’s a gift for yourself, the combination of price, item type, and delivery pattern can raise suspicion. Use secure checkout methods and confirm your identity if prompted by your bank.

4. Online Dating Subscriptions and Gift Cards

AI systems are trained to detect patterns linked to romance scams, and older men are a prime target. Signing up for multiple dating sites or purchasing gift cards shortly after joining one can trigger alerts. Fraudsters often convince victims to send gift cards as a form of payment or affection. If your bank sees a sudden spike in these transactions, it may freeze your account to prevent further loss. Be cautious with new online relationships and never send money or gifts to someone you haven’t met in person.

5. Home Improvement Equipment from Overseas Sellers

Ordering a high-end power tool or smart thermostat from an international seller might seem harmless, but it can look suspicious to AI. These purchases often involve long shipping times, currency conversion, and unfamiliar vendors… all red flags. If you’re over 50 and typically shop domestically, this shift in behavior can trigger fraud detection. Worse, some overseas sellers are fronts for phishing operations or fake storefronts. Stick with U.S.-based retailers or use platforms like Amazon that vet third-party sellers.

6. Health Supplements and “Miracle” Cures

AI systems are increasingly flagging purchases of unregulated supplements, especially those marketed to older men. Products claiming to boost testosterone, reverse aging, or cure chronic conditions are often linked to scams. If you buy from a site with no FDA approval or sketchy reviews, your transaction might be blocked. These purchases also raise concerns about identity theft, as many of these sites harvest personal data. Always check for third-party lab testing and avoid products that promise too much.

7. Large Wire Transfers to New Accounts

This one’s a biggie. AI fraud systems are especially wary of large wire transfers from older adults to new or international accounts. Whether you’re helping a “friend” you met online or investing in a too-good-to-be-true opportunity, these transactions are often linked to financial scams. Banks may delay or block the transfer until they verify your intent. To avoid issues, pre-clear large transfers in person and bring documentation to prove legitimacy.

Outsmarting the Algorithm: Stay One Step Ahead

AI isn’t out to get you; it’s trying to protect you. But when it misreads your behavior, it can cause frustrating delays or even financial embarrassment. The key is to understand what looks “risky” to the system and take steps to verify your identity or use trusted platforms. Men over 50 are often targeted by sophisticated scams, and AI is just one line of defense. By shopping smart and staying informed, you can keep your transactions smooth and your accounts secure.

Have you ever had a purchase flagged or delayed by your bank or credit card company? Share your experience in the comments.