WTF???? They thought that they could remove the cash from a credit card account? No way! This narrows it down to either islamo-nutballs or wanabe's who are idiots and unfamiliar with mundane things like credit cards, adolescents who basically don't know much about anything, or an insane person.
Probably they had set up a PayPal or e-bay account. As long as you have a valid e-mail address and a valid credit card, you can do this. Problem was - no valid credit card!
I wouldn't be at all shocked if it did turn out to be a young brat. Tarot cards and 10 million bucks... and the stupid "I am God" quote.