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Edit: I should clarify, I haven't done it myself, but I've done a good amount of research after hearing from an acquaintance that he did it. I've seen multiple reddit accounts that have said the same thing, that they were able to log in and add the credits to their account without needing 2FA approval. OP here even says the same thing, that the person he knows didn't have to approve. There's some loophole, which is a bit of a worry as far as security goes.
Thing is Ubisoft Store has no 2 step verification in place, so they can access with your usser/pass to buy the credits.
But mind you, from there, they can see your added credit cards (if this is not a red flag for you I don't know what is).
And they can also change the shipping address, so what stops them to spend whatever they want on physical content and have it sent to an address of their own?
If you want to do it at your own risk, ok. But this shouldn't be promoted of published here.
All those third-party websites selling R6-credits are run by carders (hackers simply cash money from stolen cards through YOU). Ubi will get a chargeback from real owner of a credit card and you will get a ban or if you're lucky - suspension.
On your second point, then don't have a credit card on your account? You really shouldn't on most sites anyway, with how often sites get hacked these days. Could just have a Paypal account tied to your account instead. And if they change the address and try to order anything it won't be using your cards if they aren't saved on file (and they can't use your Paypal without logging into that during checkout).
But I agree, this shouldn't be condoned or promoted here, I just didn't like that before me the previous replies claimed they were going to steal your account and sell it. They can't do that unless you stupidly use the same password for your email.
"The purchase of in Game benefits, including but not limited to “MMR boosting services” from unlicensed vendors, as well as the promotion of such services."
So it is a bannable offence.
Yes its much more cheaper but Id rather pay some extra more than to have to give my account info to someone and get a cheap R6 BUT at the same time getting risk of having my account ban if I get unlucky.