My current credit score is 395 up-to-date
Don’t you get 450 on FICO for getting your name correct ? For Christ sakes - it’s 6 damn letters - how did you get your name wrong ?!?
Great advice by the way - assuming you don’t plan on playing around offshore or anywhere long. Chargeback once - no matter how legitimate and guaranteed you are blocked from using cards anywhere. There are list and chargebacks are an auto reject.
Plus the cost of defending and changing processors from this stupidity gets passed on to everyone.
You’d be better off visiting a Target in San Francisco - shoplifting just under the limit in merchandise and selling it to support your habit than trying this stupidity. Never a good idea to piss around with offshore books running a scam - they tend to like to make examples of shot takers and trouble makers. Scam someone who doesn’t care and can absorb the losses - not people who WILL retaliate.