Pop Out Boyz, a rap collective from Bedford-Stuyvesant, Brooklyn, took their lyrics from real life when they released a single this spring all about the material rewards of a crime not often mentioned in urban pop music — credit card fraud, prosecutors said.

The song, titled “For a Scammer,” was rooted in experience, the prosecutors said. Members of the group and their associates have been indicted in Manhattan on grand larceny charges, accused of stealing more than $250,000 worth of luxury goods from Barneys and Saks Fifth Avenue over the last year.

The song’s chorus boasts, “I’m cracking cards ’cause I’m a scammer,” using a street term for card fraud. At one point, one of the vocalists raps, “Watch the money do a back flip, early morning up at Saks Fifth, you see it, you want it, you have it.”

The case reflects a broader trend in New York City, the Manhattan district attorney’s office said. As street crime and drug dealing have declined over the last two decades, there has been a surge in identity theft and credit card fraud, and these crimes are increasingly being committed by relatively unsophisticated young adults from working-class homes, the police and prosecutors said.