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This article is about the mechanics, but the title implies this is unethical. Why is this practice considered unethical?

Using stolen credit cards, or chargebacks, to buy something, and then resell that thing, for profit.

"Why is this practice considered unethical?"

Next week: Shoplifting batteries and laundry detergent, and reselling it on Ebay. "Why is this practice considered unethical?"

Is it ethical?

It's token piracy, plain and simple.