Scammers are stealing people's identities and colluding with scammers abroad (mules) to open credit card accounts. If you live abroad, especially US, You need to guard your social, ID, home address, Zip Code, DOB, email, and Phone number like your life depends on it. You almost need all that beside other layered security features to successfully uses someone's credit card. Algorithms, IP addresses, and more are some of the tools now deployed by financial institutions to guard credit cards, etc.! I think these Kenyan scammers are mostly stealing from Kenyans, especially with weak Safaricom/bank networks.