Quote Originally Posted by Aerowaffle View Post
... The tell and friend spam you get, are from accounts that have been paid for.
with stolen credit card accounts.

In short - if you need a full account to spam effectively, then you buy a full account. Online credit card fraud isn't just limited to using fake / stolen credit card numbers (although I'm sure that is there); it's also using credit card charge back facilities to bascially play for free.
Source

Quote Originally Posted by Cows for Life
Bots pay sub fees with stolen credit cards and game time cards bought with stolen credit cards, which eventually get chargeback'd, thus providing no financial incentive to Blizzard for allowing them to remain in the game.
players forget that these spammers aren’t nice folks who legitimately buy accounts. In SOE’s case, the most egregious spammers bought all their accounts with stolen credit card information — info taken from people they made real-money trades with.

So here’s what happens: some random stupid player buys $30 worth of gold with his credit card, then one day logs in to find that his account had been banned. And then he gets his credit card bill and sees that all 40 of his accounts have been banned… except he only owned one account. He then calls his credit card company, the charges are reversed, and SOE doesn’t get a dime — in fact, they lose a good bit of money in transaction fees and wasted time spent dealing with the problem.
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Follow the Money: Terrorism and RMT