Interesting idea, but...
It's not hard to get multiple credit cards, someone could simply call their bank and ask for a new one. Or go to multiple banks and get the visa check cards instantly. And in Russia? I'm sure it's not too hard to get multiple bank acc'ts under different names considering a large percentage of them are run by organized crime.
As for phone numbers, they're changeable (here anyway) for a few bucks within the day. We used to use weekly phone numbers for phone sex services way back when PINs weren't used.
Just playing devils advocate
