It's really no more criminal than sharing the physical card by passing it around, though the law may disagree.

You know, words have definitions. If you and the law disagree about what's criminal, the law is correct.

You're right, that was a rather asinine thing I said.

If the card conditions of use say, or imply (eg by bearing a single name) that the membership is non-transferable and single user then it is fraud. Whether you find that reprehensible and whether it is illegal in your jurisdiction are different questions.

hey, will you care to share some leads. I am interested in learning this (for fun ofcourse).