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Credit Cards we sell are cloned cards of people who were practically using them. After we get all data associated to particular card, we wait few days to check if its owner uses this card. If the balance stays still, we clone and sell such a card.
This means that they would have huge data collection that could be misused, sold or lost due to hacks as it would have a centralized point of failure. All of these bring more risks to the end users, which could be eliminated or at least diminished if financial privacy was taken as a human right and was not abused.