legit cc shop or not

I am gonna keep this short and simple, so it has been over a mongh and i am down $150 by now, i did a lot of research in the past few months and every store either turned out to be compelete scam or it is legit but the cards be either dead or some other type of terms of policy bs, i searched up...

Let's get started. For some reason, post about money club got deleted. Let's hope that this one does not. When I test new cc shop, I look at many things for example: registration fees, cc prices, refund policy and checker cheats. and discount. MONEY CLUB IS NOT WILLING TO DO DISCOUNT FOR...