[Yuji]

This site is just a chat room where SE is a thing and only a small part.

But, I understand that it SE hurts people and companies. But ultimately it's the workers that pays for it at the end of the day. Money is not created then forgiven at will, it has to come and go somewhere.

[Nutany]

The thing about SEing is , while you're making a big profit, the company only makes a small loss.
Producing things is way cheaper than most people think.
But that's just my opinion, ofc I know that it's morally not really acceptable.

[AllWrappedUp]

I feel carding is a shitty thing to do, no way of knowing of the card you’re using is some single parent providing for 4 children or a manager in a large company. Atleast with SE you know it’s a large company making the loss. Just my views.

[mothered]

I thought when you se items it's mostly covered by insurance. Big companies that is. Small companies I can understand hitting the workers but for big companies I'm pretty sure they are covered for things like loss, theft ect

Banks cover fraudulent activity, but It's the Inconvenience caused with the loss of funds that's the Issue.

Some financial Institutions can take weeks to replenish funds, which doesn't do much good when repayments on the family home are due on the day.

Right, because ya know,  we all pay our rent/mortgages with credit cards.

Precisely.

Furthermore, a lot of my work colleagues actually rely on their CC for weekly groceries, so having their card stripped of all funds will have a significant negative Impact on their financial state.

[Jimbo39238]

Ah gotcha, only new to this forum so that's why I said that.

[Jiggly]

Banks cover fraudulent activity, but It's the Inconvenience caused with the loss of funds that's the Issue.

Some financial Institutions can take weeks to replenish funds, which doesn't do much good when repayments on the family home are due on the day.

Right, because ya know,  we all pay our rent/mortgages with credit cards.

Precisely.

Furthermore, a lot of my work colleagues actually rely on their CC for weekly groceries, so having their card stripped of all funds will have a significant negative Impact on their financial state.

I would like to expand on this, in addition, most large purchases, such as housing or vehicles, rely on credit ratings when it comes to the average american (or other nationality) families. Consider this, as soon as you allow fraud to come up on their records, you may have ruined that family's chance of a family home that would help their children grow and afford a better life.

[mothered]

Right, because ya know,  we all pay our rent/mortgages with credit cards.

Precisely.

Furthermore, a lot of my work colleagues actually rely on their CC for weekly groceries, so having their card stripped of all funds will  have a significant negative Impact on their financial state.

I would like to expand on this, in addition, most large purchases, such as housing or vehicles, rely on credit ratings when it comes to the average american (or other nationality) families. Consider this, as soon as you allow fraud to come up on their records, you may have ruined that family's chance of a family home that would help their children grow and afford a better life.

Very valid point.

In my locality, a bad credit rating ls for a period of 7 years and although It can be reversed If It was proven to be an act of false pretense (In this case, carding), It Is quite a lengthy process.

[AllWrappedUp]

In conclusion, carding is a shitty thing to do so just don’t even attempt it.

[Yaiba]

No matter what it is if it's using someone else's money without permission it'll be stealing in my viewpoint. Carding can get pretty serious depending on who's doing it and what they buy, do with the information. You can ruin someone's life based on the way you treat their private information.

[Johny_Bonny]

A few days ago I was reading about this on ccreviews.to. For a modern Robin Hood it would be a great way to stole from the richest and give to the poorest. I agree that it should be ilegal when these rats are stealing  money put aside for our kid's college. But, if to think about it, the world's government makes the laws, they do everything they can to protect they're money. Banning is not to protect us but to protect them. They don't care about our lives when sending us to war but do you think they'll care about our money?