Common sense, and pretty sure its a repost.
Just as it says, your account must be frozen/out of time.
Have tried this 5 times, it worked 4/5 of them. so 80% chance sucess rate.
1. Go to a place to scam, and offer your account to some one.
2. tell him that it is frozen and trade accounts or what ever. Say you only have the Account name and Pass.
3. Make sure he is trusted and you have most of the account info (SQA passably needed)
4. This is the 4/5 chance part. Either:
A. he will add a game card to the account. If so, you win a free game card. Grats!
B. will use a credit card/paypal. If that happens, just cancel it. You loose. Sorry!
5. Take the account back by either changing the PW, add an Authenticater, ect.
6. Enjoy the free time.
To wrap it up
You trade accounts, he adds a game card to your account, you take the account back. Easy.
Common sense, and pretty sure its a repost.
Most People I know don't take accounts with only User and Pass. On certain Sites that is.