[trimski]

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

[mquander]

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

[trimski]

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

[pbhjpbhj]

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.