I am not a lawyer but I believe the MS I am doing is not even close to fraud. I buy stuff (cards) and pay for it. Personally, I don't lie about anything - even phone numbers and SS numbers are accurate.

Now with that said, it may be against the Terms of Service (TOS) of the credit card companies. But that is different. That is not fraud.

It reminds me of when The Horseshoe Casino banned me from their casino twenty five years ago. I was caught counting cards at Blackjack. It was not illegal but according to the casino, it violated their rules. I remember the two uniform guards escorting me to the front door while a guy in a suit read to me a statement that said among other things, ".......This is a private club and you are no longer invited to enter this club because you violated our rules......"