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6666666666666666666666666666666666666666666666666666666666 66 Chapter Six - "Carding" 66 6666666666666666666666666666666666666666666666666666666666 < Part I - A Brief Overview > Carding is a very dangerous sport. While the others can get you into serious hot water, carding will put you away for a long time. The following articles describe mostly the basics of this art, and there are many other things one can do with a "borrowed" credit card. One can have much fun with a card, but it would be better to find someone in your area and get directions from them before you go and try it out for yourself. I repeat, this is the most dangerous of them all, and neither I nor anybody else who has written an informative text file would want you to get toasted. BTW, I must remind you again at this point that indeed this is for YOUR INFORMATION ONLY, AND I DON'T CONDONE DOING ANY OF THE FOLLOWING. __________________________________________________________________________ Author: The Big Guy ~~~~~~~~~~~~~~~~~~~ Carding Hints From The Big Guy! Well, Just to give you some carding advice. Try not to fuck with well known computer companies - They are the ones who have been around the block. Go for some unkown computer companie that might have a mailer at your local computer swapmeet. Second. Make your order as realistic as hell when you call. Ask about the quality of what you are ordering, the value, when your package will come, total price..tax, everything that comes in mine. Have your info ready off the bat, if you stall, they wont take you seriously and you'll never get your order. Like when they ask for your name, dont go"uuhh..uhh..oh, Mark Lauer" you have to know everything straight and simple. Then tell Shipping that you are currently moving right now, and you most likely wont be home in the afternoons - mornings - early evenings. Last but not least, you's better have your ass a good ass drop off point. What works best is when someone is on vacation or an abandoned house. I currently use an abandoned house. Write a note on the door that says something like" Dear UPS delivery man, I'm currently moving right now, and I probably wont be home in the afternoons for quite some times. I will be home in the evenings probably after 7 pm. Could you please leave the package on the doorstep, and I will pick it up when I come home, or could you stop by after 7pm (The wont cuz they never deliver after 6) Thank you very much. Jane Bullshit.. Okay..now go that evening..hound the place every fucking day during the 7 - 10 working days that the package is supposed to come. Get the package, and do with it what you want. Only order in large bulk around christmas time (like ordering 4 200 dollar walkmans) Anyother times, just make a bunch of small orders. Hope this helps anyone.. __________________________________________________________________________ <[ The following article is entitled "No-Fail Carding Techniques". I do not guarantee that the following ways of carding are "No-Fail", and they are pretty risky. If you're brave (foolish?) enough to try the techniques in the next document, they will prove to be much more profitable (as long as ya don't get caught!) ]> __________________________________________________________________________ Author: Ford Prefect ~~~~~~~~~~~~~~~~~~~~ [ NO-FAIL CARDING TECHNIQUES ] By - Ford Prefect - INTRODUCTION This text file is designed to help the frustated beginning Carder, even though it can also help some experienced Carders. I am fairly new to Carding and this is my first text file. Therefore, this might be old news to some of you veterans. I haven't seen a text file about this technique, so I hope it helps anyone out there who has not discovered the fail-safe way to card. FRUSTRATED? I sure was. I have only been carding actively for about 9 months. I have tried at least a dozen times and only been succesful once. I used mail-order, drop-houses, vmb's, etc. This required lots of patience. I was very frustrated until I thought of my parents' credit cards that I used frequently. I thought that if I could get ahold of anyone else's REAL credit card, I will be stoked beyond belief! OBTAINING A CARD So, the object is to use a REAL cc. How do you get one you ask? 1) Make or obtain a flyer. Make about 100 photocopies. Wear sunglasses (only on a bright day) and a baseball cap and normal clothes. Bring a backpack. Drive to a middle-class neighborhood far from your house and park your car outside of the track. Enter the track then look for cops and the sorts then proceed to a mailbox. Pretend you're passing out flyers (putting flyers in mailboxes is breaking a federal law, but the majority of the population is unaware of this fact.) This is what you will be looking for: A) Enveloped with banks as return addresses. B) Free Sample Coupons C) Green and red envelopes during the Holidays. (Grandparents' Christmas gift to their kids - money) D) Playboy magazines. Put these in your backpack, but make sure no on is looking. After hitting a mailbox, skip the rest on the street. Go to another a couple blocks away. Ok. You've got the envelopes. Very seldomly do you find brand new cards here. If you do, you have to send back the form that states that you have received it. After that, wait 1-2 weeks and you're set to go. But most of the time, you will find bills (EXCELLENT for maill-order) or qualification noticies. With the notices, (most do not require social security) fill them out and send them. Wait a day or two and then frequently check the same mailbox for the card. 2) Ok, at weddings at parties, most people leave purses in a pile or in a closet. When everyone is drunk, search them for the cards. Most likely, they won't know it's missing until the next day or the following. USING THE CARD Great! You've got the card. Next thing to do is to obtain a fake state id as the cardholder or someone with the same last name. This will run from $5-$10. If yu've got the cash, get a fake high-quality driver's license for about $40. Now, you've got one factor against you. Time. When you use the card, don't go outrageous and card like 5 Sony Discmen. Keep it reasonable and unsuspicious. When you first enter the store, ABSOLUTELY make sure that there are no cameras or electronic surviellence. And that it is not too busy, you can get away, etc. Use common sense. Card away! One thing will inevitably happen. The card will show up as stolen. Observe the salesperson. If you see anything weird, run! CONCLUSION Well, this technique can be very profitable. It takes alot of effort, but is worth it. Instead of waiting on UPS for something that might not even show up, you get it right there and then. There are also alot of risks involved. One last tip, make up a good excuse for your parents and more importantly, DO NOT TELL ANYONE of your profits. - Ford Prefect - __________________________________________________________________________ <[ The next two documents are from the Mickey Mouse Club's first newsletter. I hope they're not too mad that I put them in here without their permission, but I don't even think they're around anymore (?). Well, somebody correct me if I'm wrong. ]> ___________________________________________________________________________ Author: The Dark Lord ~~~~~~~~~~~~~~~~~~~~~ Carding: Although everything talked about in the text file to this point is illegal, and you will get busted if you get caught, this is one one the one that you can get in some major shit over. About the only thing I have talked about that this falls short of is hacking a government compter, and thats one of the Grand daddies of them all. Well, although it is a major crime, it is really cool!!!! This is the process in which you find the card number of someone and use it to purchase things. In order to card, there are a few things that you must have or it will not work. You will need to have........ 1. The Card Number 2. The Experation date 3. Card type (Master Card, Visa, etc...) Those are the main things tha you will need. Having the name of the owner is very helpfull but it is not a must. You can get by without it. You have to order everything you want by mail. A couple of "Beginner" carder that I talked to didn't understand how you would do it, but thats when they had the misconception that you actually go to the store and purchase things. That is a complete No, no. You do everything from a phone ordering service. When you call make sure that you are a t a pay phone. Don't do it your house or anywhere where it can come back to you. When you order the merchandice, once again do send it to anywhere that it can come back to you like your home, work, etc. Find a vacant house or building or anywhere else that you can send it to. Also, don't send it to a P.O. box that you have, just as dangerous. When you do order it and you think its around the time that you will be reciving it, check the mailbox frequently. But do it during odd hours. I mean, hows it going to look you taking a package from a vacant house? Most bills are sent at the end of the month or at the biginning, so try to time it to where the bill won't come to the person untill a couple of days after you have recived the package. Ok heres how to figure it. I have found out that the bills are sent out up around the 26-30th of the month, so they will actually recive the bill around the 31-4th. Have it sent right after you think the bill has been sent. Find what you want, but try to order it from the place that guarentees the fastest delivery. When you order the item, make sure they have it in stock and don't have to get the item in first. Order the highest class of delivery but not COD or next day service. Thats cutting it too close. It should take around 2-4 weeks before you get it and if you timed it right, then it sound get there right before the person gets the bill. You need to have it in your possesion before the bill gets to the person because if they complain, they can keep it from being sent, or watch who actually gets it even while its going throught the mail process. Don't order more than a couple of things or overcharge the card, if the people at the Credit card office, see irregular charging on the card, they will follow up on it. To actually order the item you will call up the place that you will be ordering from, and when the operator answers let her know what you need to as far as what you are purchasing, etc. When she ask how you will be paying just tell her "Charge" and the the type of card like Master Card, Visa, ect. Then Tell them your name, if you don't know the name of the actuall owner of the card, Make up a false name that has NO relation to your name, not the same first, last middle what ever, nothing relating to your real name. Then continue answering all the operators questions, address (Not your own remember!) state, area code etc. They will also ask for your phone number. Make one up, not your own. If something happens to go wrong as far as delivery or if they are checking if you are who you say, then your screwed, unless of course, hehehe, the number is ALWAYS busy. Find the busiest number there is and leave them that. When they ask for the card number and experation, just tell them and do what all else you need. Wish them a good day, and hope you get it. Ok heres how you check if the card is good, and how much money can be charged on the card....... 1. Dail 1-800-554-2265 2. it will ask for the type of the card. you must put in 10 for Master Card and 20 for Visa, I am not sure about the others. 3. Next it will ask for the Identification. You will need to enter 1067 4. After all that you will have to enter the Mecrchant number, which you will either need to put in 24 or 52. One of them should work. 5. You will then have to enter (When Prompted) the card number itself. 6. Next, the experation date of the card. 7. Last but not least the amount you want to try to get on the card. The procedure for this is enter dollars, astricks, then cents. (Example:) 100*30 = One hundred dollars and thirty cents. One thing I do need to mention, after you type in everything you must press pound (#). Like when it asks you for the type of card, if you had a Master Card you would put: 10#. when it asked for identification you would enter 1067#. If it says invalid, that either means that the card is no good or you can't charge that amount on the card. Try it again, but try a lower amount. If you get down to $1 and it still doesn't work, hehehe, you can probably guess that the card is no good. You might not be ordering just merchandice you might be ordering accounts and things like that and if you are, fine, but you have to remember, the accounts do not stay good for very long, the owner of the card gets the bill, complains and its no longer any good. And when you card and account, Nine out of ten times, they won't kill the account, they will trace in and that is when you butts really in a sling. So carding accounts and things, isn't the safest way to go, of course. nothing we have talked about it, right? __________________________________________________________________________ Author: The Midnight Caller ~~~~~~~~~~~~~~~~~~~~~~~~~~~ =============================================================================== Basic Information About Credit Cards =============================================================================== There are at least three types of security devices on credit cards that you aren't supposed to know about. They are the account number, the signature panel, and the magnetic strip. The Account Number ------------------ A Social Security card has nine digits. So do two-part Zip codes. A domestic phone number, including area code, has ten digits. Yet a complete MasterCard number has twenty digits. Why so many? It is not mathematically necessary for any credit-card account number to have more than eight digits. Each cardholder must, of course, have a unique number. Visa and MasterCard are estimated to have about sixty-five million cardholders each. Thus their numbering systems must have at least sixty-five million available numbers. There are one hundred million possible conbinations of eight digits-- 00000000, 00000001, 00000002, 00000003, all the way up to 99999999. So eight digits would be enough. To allow for future growth, an issuer the size of Visa of MaserCard could opt for nine digits---enough for a billion differnt numbers. In fact, a Visa card has thirteen digits and sometimes more. An American Express card has fifteen digits. Diners Club cards have fourteen. Carte Blanche has ten. Obviously, the card issuers are not projecting that they will have billions and billions of cardholders and need those digits to ensure a different number for each. The extra digits are actually a security device. Say your Visa number is 4211 503 417 268. Each purchase must be entered into a computer from a sales slip. The account number tags the purchase to your account. The persons who enter account numbers into computers get bored and sometimes make mistakes. They might enter 4211 503 471 268 or 4211 703 417 268 instead. The advantage of the thirteen-digit numbering system is that it is unlikely any Visa cardholder has 4211 503 471 268 or 4211 703 417 268 for an account number. There are 10 trillion possible thirteen-digit Visa numbers (0000 000 000 000;0000 000 000 0001;... 9999 999 999 999). Only about sixty-five million of those numbers are numbers of actual active accounts. The odds that an incorrectly entered number would correspond to a real number are something like sixty-five million in ten trillion, or about one in one hundred and fifty thousand. Those are slim odds. You could fill up a book the size of this one {note, book is 228 pgs long} with random thirteen-digit numbers such as these: 3901 160 943 791 1090 734 231 410 1783 205 995 561 9542 425 195 969 2358 862 307 845 9940 880 814 778 8421 456 150 662 9910 441 036 483 3167 186 869 267 6081 132 670 781 1228 190 300 350 4563 351 105 207 Still you would not duplicate a Visa account number. Whenever an account number is entered incorrectly, iw will almose certainly fail to match up with any of the other account nubmers in the computer's memory. The computer can then request that the number be entered again. Other card-numbering systems are even more secure. Of the quadrillion possible fifteen-digit American Express card numbers, only about 11 million are assigned. The chance of a random number happening to correspond to an existing account number is about one in ninety million. Taking into account all twenty digits on a MasterCard, there are one hundred quintillion (100,000,000,000,000,000,000) possible numvers for sixy-five million card- holders. The chance of a random string of digits matching a real MasterCard number is about one in one and a half trillion. Among other things, this makes possible those television ads inviting holders of credit cards to phone in to order merchandise. The operators who take the calls never see the callers' cards nor their signatures. How can they be sure the callers even have credit cards? They base their confidence on the security of the credit-card numbering systems. If someone calls in and makes up a creditcard number--even being careful to get the right number of digits--the number surely will not be an existing real credit-card number. The deception can be spotted instantly by plugging into the credit-card company's computers. For all practical purposes, the only way to come up with a genuine credit-card number is to read it off a credit card. The number, not the piece of plastic, is enough. Neiman-Marcus' Garbage Can -------------------------- The converse of this is the fact that anyone who knows someone else's card number can charge to that person's account. Police sources say this is a major problem, but card issuers, by and large, do their best to keep these crimes a secret. The fear is that publicizing the crimes may tempt more people to commit them. Worse yet, there is alomost nothing the average person can do to prevent being victimized {muhaha} -- short of giving up credit cards entirely. Lots of strangers know your credit-card numbers. Everyone you hand a card to--waiters, sales clerks, ticket agents, hairdressers, gas station attendants, hotel cashiers--sees the account number. Every time a card is put in an imprinter, three copies are made, and two are left with the clerk. If you charge anything by phone or mail order, someone somewhere sees the number. Crooks don't have to be in a job with normal access to creditcard numbers. Occasional operations have discovered that the garbage cans outside prestige department or specialty stores are sources of high-credit-limit account numbers. The crooks look for the discarded carbon paper from sales slips. The account number is usually legible--as are the expiration date, name, and signature. (A 1981 operation used carbons from Koontz Hardware, a West Hollywood, California, store frequented by many celebrities.) Converting a number into cash is less risky than using a stolen credit card. The crook need only call an airline, posing as the cardholder, and make a reservation on a heavily traveled flight. He usually requests that tickets be issued in someone else's name for pickup at the airport (airlines don't always ask for ID on ticket pickups, but the crook has it if needed) and is set. The tickets can be sold at a discount on the hot- ticket market operating in every major airport. There are other methods as well. Anyone with a Visa or MasterCard merchant account can fill out invoices for nonexistent sales and submit them to the bank. As long as the account numbers and names are genuine, the bank will pay the merchant immediately. For an investment of about a thousand dollars, an organized criminal operation can get the pressing machines needed to make counterfeit credit cards. Counterfeiting credit cards in relatively simple. There are no fancy scrolls and filigree work, just blocky logos in primary colors. From the criminal's standpoint, the main advantage of a counterfeit card is that it allows him to get cash advances. For maximum plundering of a line of credit, the crook must know the credit limit as well as the account number. To learn both, he often calls an intended victim, posing as the victim's bank: CROOK: This is Bank of America. We're calling to tell you that the credit limit on your Visa card has been raised to twelve hundred dollars. VICTIM: But my limit has always been ten thousand dollars. CROOK: There must be some problem with the computers. Do you have your card handy? Could you read off the embossed number? On a smaller scale, many struggling rock groups have discovered the knack of using someone else's telephone company credit card. When a cardholder wants to make a long-distance call from a hotel or pay phone, he or she reads the card number to the operator. The call is then billed to the cardholder's home phone. Musicians on tour sometimes wait by the special credit-card-and-collect-calls-only booths at airports and jot down a few credit card numbers. In this way, unsuspecting businesspeople finance a touring act's calls to friends at home. If the musicians call from public phones, use a given card number only once, and don't stay in one city long, the phone company seems helpless to stop them. What makes all of these scams so hard to combat is the lead time afforded the criminal. Theft of a credit card--a crime that card issuers will talk about--is generally reported immediately. Within twenty-four hours, a stolen card's number is on the issuer's "hot list" and can no longer be used. But when only a card number is being used illicitly, the crime is not discovered until the cardholder recieves his first inflated bill. That's at least two weeks later; it could be as much as six weeks later. As long as the illicit user isn't too greedy, he has at least two weeks to tap into a credit line with little risk. The Signature Panel ------------------- You're now supposed to erase the signature panel, of course. Card issuers fear that crooks might erase the signature on a stolen credit card and replace it with their own. To make alteration more difficult, many card signature panels have a background design that rubs off if anyone tries to erase. There's the "fingerprint" design on the American Express panel, repeated Visa or MasterCard logos on some bank cards, and the "Safesig" desgn on others. The principle is the same as with the security paper used for checks. If you try to earse a check on security paper, the wavy-line pattern erases, leaving a white area-- and it is obvious that the check has been altered. Rumors hint of a more elaborate gimmick in credit-card panels. It is said that if you erase the panel, a secret word--VOID--appears to prevent use of the card. To test this rumor, fifteen common credit cards were sacrificed. An ordinary pen eraser will erase credit-card signature panels, if slowly. The panels are more easily removed with a cloth and a dry-cleaning fluid such as Energine. This method dissolves the panels cleanly. Of the fifteen cards tested, six had nothing under the panel(other than a continuation of the card back design, where there was one). Nine cards tested had the word "VOID" under the panel. In all cases, the VOIDs were printeed small and repeated many times under the panel. The breakdown: Void Device Nothing -------------------------------------- Bloomingdale's American Express Gold Card Bonwit Teller Broadway Bullock's MasterCard(Citibank) Chase Convenience B.C. Neiman-Marcus I. Magnin Robinson's Joseph Magnin Saks Fifth Avenue First Interstate B.C. Montgomery Ward Visa (Chase Manhattan) When held to a strond light, the VOIDs were visible through the Blooming- dales's card even without removing the panel. The VOID device isn't foolproof. Any crimianl who learns the secret will simply refrain from trying to earse the signature. Most salesclerks don't bother to check signatures anyway. Moreover, it is possible to paint the signature panel back in, over the VOIDs--at least on those cards that do not have a design on the panel. (Saks' panel is a greenish-tan khaki coler that would be difficult to match with paint.) The panel is first removed with dry-cleaning fluid. The back of the card is covered with masking tape, leaving a window where the replacement panel is to go. A thin coat of flat white spray paint simulates the original panel. The Magnetic Strip ------------------ The other security device on the back of the card, the brown magnetic strip, is more difficult to analyze. Some people think there are sundry personal details about the cardholder stored in the strip. But the strip has no more information capacitythan a similar snippet of recording tape. For the most part banks are reticent about the strip. The strip need not contain any information other than the account number or similar indentification. Any futher information needed to complete an automatic-teller transaction-- such as current account balances--can be called up from bank computers and need not be encoded in the strip. Evidently, the card expiration date is in the strip. Expired cards are "eaten" by automatic-teller machines even when the expired card has the same account number and name as its valid replacement card. Credit limit, address, phone number, employer, etc, must not be indicated in this strip, for banks do not issue new cards just because this info changes. It is not clear if the personal identification number is in the strip or called up from the bank computer. Many automatic-teller machines have a secret limit of three attempts for provideing the correct personal identification nubmer. After three wround attempts, the "customer" is assumed to be a crook with a stolen card, going through all possible permutations--and the card is eaten. It is possible to scramble the information in the strip by rubbing a pocket magnet over it. Workers in hspitals or research facilites with large electromagnets sometimes find that their cards no longer work in automatic-teller machines. (If you try to use a magnetically doctored card, you usually get a message to the effect, "Your card may be inserted incorrectly. Please remove and insert according to the diagram.") The Bloomingdale's Color Code ----------------------------- Only in a few cases does the color of a credit card mean anything. There are, of course, the American Express, Visa, and MasterCard gold cards for preferred customers. The Air Travel Card comes in red and green, of which green is better. (With red, you can charge tickets for travel within North America only.) The most elaborate color scheme, and a source of some confusion to status-conscious queues, is that of Bloomingdale's credit department, here is how it works: Low color in the pecking order is blue, issued to Bloomingdale employees as a perk in their compensation packages. The basic Bloomingdale card is yellow. Like most department store cards, it can be used to spread payments over several months with the payment of a finance charge. The red card gives holders three months' free interest and is issued to customers who regularly make large purchases. The silver card is good for unlimited spending, but as with a travel and entertainment card, all charges must be paid in thirty days. The gold card offers the same payment options as the yellow card but is reserved for the store's biggest spenders. The End --------------------------------------------------------------------------- Comments and Acknowledgements- The above has been copied from "Big Secrets" WITHOUT permission. Big Secrets is written by Willian Poundstone. This is a great book that tells you hundreds of things you weren't suppose to find out about. The above artical, was only 5 pages out of a book 288 pages long! He also has a new book out called "Bigger Secrets", which is also good. You can find both at almost anybook store, they should be able to special order it. The above was written by The /\/\idnight Caller a.k.a. Pizzia Man