[jaydub]

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Any credit card purchase over $10K must be validated by the card user over the phone.


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No.


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What do you mean, "no"? I've made two purchases over $10K on credit cards, and both times I had to speak to the cc company to provide consent and verify my id. Are you saying this is not standard operating procedure?

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I've made > 100 such purchases on a corporate amex and am saying it is not always done.

The club probably makes all customers do it for large purchases and I wouldn't be shocked if amex initially declined any large purchases from such a place but there is no amex rule that > $10K needs a phone call.