cheap v-buck method?

anyone know how all these sellers are selling cheap vbucks 13k for 20$

- refund method?

- arg method?

- dupe giftcard method?

or is there others?

13k on xbox prices:
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it's called Pre redeemed V bucks its accounts you gotta log on weird like on xbox cloud and then use those accounts to gift you stuff no clue about how it works i think its accounts using stolen creddit cards or crator codes or something i bought a 27k v buck account for like 20$ from a rando telegram dude but he went ghost