Pre-paid cards vs. RAF gold trading

[HBfanboy1980]

No, the people with stolen CC's will *generally* (not always) get their money back. Blizzard will remove the gametime purchased on the RAF account due to the chargeback... but they simply don't have the mechanism in place to automatically remove the RaF time. Essentially this is only 'stealing' from Blizzard (except in the hopefully-rare case of the unlucky stolen cc owner not getting their money back), as you're generating gametime without blizzard netting any money. Personally, since the Activision merger, I have very little sympathy for Blizzard missing out on $... but the facts remain:
Depending on the laws of your country, you may or may not be liable for participation in this fraud... but either way, Blizzard have been known to flag these accounts. The punitive actions they've taken to date have been few and far between... however as the problem grows, so will the punishments, no doubt.

just wanted to add that people whose DEBIT CARDS are being used are almost virtually NEVER receiving their money back unless they have one of very few banking organzations.