Which is more likely:<p>1) Brighthouse has a problem with cards that decline a $100 charge, but won&#x27;t decline two $50 charges.<p>2) Brighthouse has a problem with customers that have a $100 bill but less than $100 available on their credit&#x2F;debit card.<p>I think the answer is the second. There&#x27;s no reason for the first to occur. If a bank&#x27;s fraud filter mistakenly identified a regular monthly bill as suspicious and blocked the charge, it&#x27;d probably block the followup charges from the same company too.<p>Then, the  goal would be to collect as much of the owed money as is available on the card, not to split a payment into chunks. If the 100% charge wasn&#x27;t declined, they wouldn&#x27;t have attempted the 50% charge. If the 50% charge wasn&#x27;t declined, they wouldn&#x27;t have attempted the 40% charge. There&#x27;s no possibility for multiple charges going through and creating extra overdraft fees if they do it that way.<p>That said, I&#x27;ve never seen this practice before.