They don't need to steal a card at all to do this. They're just guessing random numbers — everything after the issuer/cardtype numbers (first 5 or 6). So there'

They don't need to steal a card at all to do this. They're just guessing random numbers — everything after the issuer/cardtype numbers (first 5 or 6). So there's nothing to convert, and they only try a particular card number a few times.