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*IF* Karlie was carrying large sums of money on her, that may explain why the transactions on her card were sporadic and if she fuelled the car using cash.
The dozen or so transactions that we have been told about are reportedly only a tiny percentage of the times Karlie's bank account was accessed.
http://www.abc.net.au/news/2015-10-27/timeline-karlie-pearce-stevenson-bank-account-activity/6890008