When one possesses the appropriate tools and understands their proper usage, such as Card Cloning Software, .IST Files, Blank cards, hardware (embosser, etc.), and, of course, the accurate Track 2 + PIN, one can earn a profit by withdrawing funds from ATMs.
In-person purchases, such as visiting a shopping mall and utilising the card, are possible; however, this depends on the country in question. In nations such as the UK, USA, etc., this might be challenging due to the bank issuer's ability to trace your movements in the event of fraudulent activity on the victim's account.
Consequently, exploiting via ATM may be the better option; however, it is essential to remember that this is a high-risk activity, requiring an experienced individual with a substantial amount of time spent in this field. Success requires a lot of separate time, reading, trial and error, etc.