Here's a pretty good read on Undergrpund Ecosystem of Credit Card Fraud. Good read to clarify things for someone who might be considering getting into the game. Keep in mind things are constantly changing with technology, the methodology to exploit those systems, and cybersecurtity is always evolving, with new and improved anti-fraud measures. That being said the basic foundation is the same on a grand scale.
( I myself take in noway shape or form, take any credit for the information or writing of this paper.)