in high school me and a friend would do massive credit fraud on the net lol.
we just hit up aol keyword chat "phish" and simply ask for a cc number. and guys working at banks or stores all over the country would give em out to spread the use to likely drop suspicion on their local use.
we would hit up the school library and shop online, and have things delivered to condemned houses in our neighborhood. we skipped school to pick em up.
got lots of free games, and computer parts then lol.
back then the only thing banks did for suspicious activity was call the phone number on the order lol. i dont think ips were even being logged or tracked by law enforcement at the time.