There are a significant number of people who won’t put it together, and call the bank.

The person who’s name is on the card - might not even have access to cancel the card. My mother’s identity was stolen like this - they opened many many credit cards, and she got a lot of absolute garbage in the mail for months. There was no one for her to call. She didn’t open them.

She locked her identify but it means about fuck all cause people kept opening cards anyways.