Which of the following is a clue indicating possible fraud?

A member avoiding conversation with credit staff can be a significant indicator of potential fraud because individuals engaged in fraudulent activities may try to limit their interactions with staff, especially if they are trying to avoid scrutiny. This behavior often stems from a desire to hide their actions or the details of their financial situation from staff who might question them further.

In contrast, members who frequently deposit checks, consistently make timely payments, or request lower credit limits may be exhibiting normal banking behaviors. These actions do not necessarily raise red flags regarding the legitimacy of their financial activities. For instance, frequent deposits might indicate regular transactions or income, timely payments are generally a sign of responsibility, and requesting lower credit limits could stem from personal budgeting strategies rather than fraud.

A member's avoidance of conversation, however, deviates from typical client behavior and warrants further investigation, making it a more credible signal of potential wrongdoings.