Credit Card Authorization Override Trick

Someone allegedly has found a new clever way to buy products with fake or bad credit cards.  He visited various Apple stores to purchase products.  At the time of payment he provides four different debit/credit cards belonging to accounts that have been closed by the financial institutions.  When the cards are declined by the Apple Store, he would object and protest and offer to call his bank to resolve the issue.

He would pretend to be calling his bank and offer the Apple Store employees an authorization code similar to the one normally provided by credit card issuers to create a record of the credit or debit override, except this one is a fake authorization code.