My word, what a thread!

I have a question for the legal people, and for those that reads the T&C's.

a) Isn't the card the property of the issuer, hence the statement printed on the back of the card typically?

b) Does the account belong to the individual or the corporation?

c) Surely the CV2 details would be out of sync unless you actually make your own card with your 4 digit CV2, or get your friend who is making the blank card?

d) If you make a copy of a card, surely you are breaking the law before you even encode it with your own account details given that the card design is copyrighted?