Clever, but how do you receive money in that scheme? You need an account under a fake name, right? That seems really hard to get (as it is a prerequisite for all kinds of crimes).
Stolen CC numbers sound like hard things to get in the first place, but they're available online. Fullz (identity-stealing kits w/ SSN and driver license info) and bank drops are similarly available, for a higher fee, as well as aged accounts for many sites.
