

I doubt RMT would use stolen credit cards. It's a legitimate business. Using stolen credit cards would just get them in trouble seeing as the profit they make has to be claimed. Most of them are just people like you and me trying to make a few extra bucks.They're not hacking old magic skills, you and your friend saw this wrongly. Every spell you do gets server side checked, even if you get everything modified locally.
As for RMT payments, some people argued they cost SE money since they use stolen CC and stuff like that. I could kind of understand that on a large scale (wow,d3,etc) but for XIV i dont know, they've been around too long and too obvious imo.
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