He describes identity theft and credit profile fabrication as a straightforward, formulaic process for securing large loans.

“I was able to leverage in six months I was able to leverage that credit that I had put together to borrow hundreds of thousands of dollars with nothing down other than putting up the the minor deposits to get the secured credit cards and knowing how to answer the questions that were being asked by t”

John Boseak discourages aspiring scammers from attempting credit card fraud, noting that it will lead them to prison.

“he's got his own youtube channel where he tries to teach people about like fraud and [ __ ] like cpns and all the [ __ ] that's going to send people to prison immediately like he's he's like the go-to guy for scams and frauds now”

He believes that credit card fraud can be a lucrative business when scaled properly, despite the legal risks.

“So I started doing that you know I was in high school so u everything is is moving like life is going great. I'm coming to school, thousands of dollars in my pocket, the white buff zone, feeling good.”

Ghost Billy expresses remorse for not treating his criminal accomplice better financially during the time they committed fraud together.

“if [ __ ] go back in time po Lucy I regret it to this day”

Engaging in credit card fraud or scamming is generally not a sustainable path to lasting wealth or happiness.

“most people are not successful in scamming because they're doing it for survival or as soon as they make some money they go buy something start over from square one and they have to start doing it all over again”

He considers the use of tracking numbers on return cards to be an easy and effective scam for obtaining and using credit cards.

“what this guy was doing was uh he uh someone turned him on to this to this Con and what it was is the tracking number for American Express if you someone say you lose your American Express card now only I think they changed it since then this is like back then but American Express has got a tracking”