it keep working until you get caught.....ie when the card...

it keep working until you get caught.....ie when the card schemes become aware

They then punish retrospectively.

If you want to ignore the rules, fine, do so - but there are penalties when caught

Just like every other rule /law etc

Im not sure what sort of police state you live in where you are stopped BEFORE breaking a rule or law, but, if thats the world you live in, then good luck to you.

Ive published my source, including a link to Visa itself - now, you can DYOR and ask the right questions.