Stacy presented two money orders for payment to Chuckie Enterprises, Inc., a check-cashing service in Philadelphia. Stacy was known as a previous customer, the orders were presented within thirty days of the date on them, and there was nothing to indicate that they were not valid. Chuckie obtained photo identification from Stacy, cashed the orders, and submitted them to the issuer, American Express, for payment. American Express recognized the orders as stolen and refused to pay. Chuckie assigned its right to payment to Robert Triffin, who filed a suit against American Express to collect. Identify whether Chuckie was a holder in due course and why.