Surely, if a person has a stolen credit card, there are much more efficient ways to use it than this convoluted scheme... buying stock images and collecting the tiny royalities... seriously?
Not only that, but spending time creating acceptable content before stealing someone's credit cards and buying the content from yourself.
Some people have been known to create profiles under which they upload content which they do not own. Shocking, I know !
And it's long lists of compromised numbers and details which get traded on the underground according to the interesting security podcast I sometimes listen too. Not individual cards.
So not as daft a prospect as is being imagined.