Question for the experienced carders

[mae]

Can one of the experienced carders explain to me how card checking works?
Let's be realistic, you buy a card or multiple cards from a trusted vendor, check them, and when it went through as 00, how are you supposed to get away with that?
The owner of the card (in my view) most likely always checks their bank transactions. Then when an unfamiliar transaction appears on the screen, what do they do?
They will check the origin of that transaction and do something about it. Either close their card, call the bank, whatever.
You could hope that the owner of the card is a millionaire with dozens of transactions going through every 20 minutes or so... or hope that the owner is an old dude with almost no experience with technology.
That chance is quite small, isn't it?
In my eyes, when you gotta go big, you take time and do stuff carefully. IMO card checking makes a lot of racket, do you guys think the same?
Please give me your view on it.