They had millions of credit cards. It's far easier and safer to sell the cards than try to come up with a scheme that will make an equivalent amount of money us

They had millions of credit cards. It's far easier and safer to sell the cards than try to come up with a scheme that will make an equivalent amount of money using them. Plus with that many they had far more than they could ever use. That's like saying anyone who runs a SaaS that helps other businesses make money for $50/m is bad at business.