I read the entire thread, but due to high bandwidth usage the original image the OP linked to was removed from imageshack...
Honestly...you'd have to be really gullable..and a little ignorant to attempt that...
CH Admin...
I'd also like to know what was used to chop the card...it would have to be pretty close along the lines of a bolt cutter...or a hacksaw...
BTW...someone should tell the guy this:
"Remember...send us $50,000.00 and a new Rolls Royce...and we'll send you your statement in 25 words or less..."
Think it'd work???