You pay for a month and then receive service. In order for that to work they would have to keep providing service to users who's credit card rejected the paymen

You pay for a month and then receive service. In order for that to work they would have to keep providing service to users who's credit card rejected the payment. Then the model simply shifts: 1. Get credit card numbers illegally 2. Create Netflix accounts with those credit cards 3. Sell those accounts on EBay, even after the user reports the card as stolen it will continue to work.