The Hacker's Encyclopedia 1998

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N . A . R . C . Infofile # 7 by Htaed Table of Contents: I. Preface II. Credit Cards vs. Charge Cards III. Types of Cards IV. Mail order companies V. VISA bank numbers VI. Mastercard A. Bank Numbers B. Bank Id numbers VII. American Express VIII. Conclusion I. PREFACE This is my first infofile as a N.A.R.C. member. For those of you who have read "Getting Serious about Carding by Optical Illusion", this is a somewhat a con- tinuation of things you need to know about carding which Optical Illusion did not cover. In this file, we'll try to cover the aspects of the use (or shall we say misuse) of a credit card, strategies mail order companies keep us from getting away with carding, and a list of bank id numbers with their banks. II. CREDIT CARDS versus CHARGE CARDS Many people have the misconception that all cards are credit cards. This is of course not true. For example, American Express is a charge card and not a credit card. American Express is a charge card since the owner of the card must pay off the whole amount when his bill comes. If the owner doesn't, he or she is in serious shit. One thing good about the American Express is that it has no limit on how much the person can spend as long as the person can pay off the bill when it comes. Basically, the card is based on the person's good judgement on how much money the person have. Why is there American Express Gold and regular American Express cards then? It still has a hidden limit which you cannot buy a Corvette ZR-1 with a regular American Express. You could however do it with a American Express Platinum (if you can find one to abuse). This means you can buy more expensive things at one time with a Gold or Platinum card. Credit cards have a set limit after you you apply for the card. Usually a Classic Visa has about $700 plus or minus $100. Mastercard on the other hand has about $1000 limit on it. III. TYPES OF CARDS Credit Cards Charge Cards VISA American Express Mastercard American Express Optima Discover Gold Platinum Here's a couple type of cards I do not know what category they fall into since they are never accepted by mail order companies. One of them is Diner's Club International and the other is Carte Blanche. Bank name Bank name _______________________________ _______________________________ | | | | | | | BANK of N A R C | V I S A| | BANK of N A R C | V I S A| | |________| | |________| | | | | | | | 4000 123 456 789 |hologram| | 4000 0123 4567 8910 |hologram| | |________| | |________| | 00/00 00/00 CV | ___ | | 00/00/00 00/00/00 PV| ___ | | | // | | | // | | John Doe | XX__ | | John Doe Jr. | XX__ | --------------------------------- --------------------------------- ^ ^ |________________________________________| VISAs are grouped either | in 4XXX XXX XXX XXX or | 4XXX XXXX XXXX XXXX. This is either a C or a P. The 2 groupings used are different for C for Classic (regular) each bank. There are banks' P for Preferred (better, much better) preferred cards that are group in 4 3 3 3. _______________________________ | | | | | B A N K of N. A. R. C.| All Mastercards are 12 digits grouped |_______________________________| in blocks of four digits each. | ___ | | 5000 1234 4567 8910 / X| | |M C|| | |M C|| | Joe Card Alot X___/| --------------------------------- | 1234 is the bank id number. The bank may have more than one id number for their 5000 XXXX XXXX XXXX series cards. IV. MAIL ORDER COMPANIES Most of the mail order companies will accept Visa or Mastercard. Some will also accept American Express and Discover. These mail order companies check the card by either calling into a TRW center to check if the amount of the order will exceed the limit. In either case of a approval or declining, the mail order companies will call you back to check with you the order you have placed. Anyways, a way of finding a valid card is to call a credit approval system yourself. Here's some ways of checking: (1) 1-800-554-2265 for check Mastercard or Visa for mastercard 10#1067#24#CARD#EXP#XX*XX# for Visa 20#1067#24#CARD#EXP#XX*XX# - 10 and 20 are for the type of cards - 1067 is the bank id number - 24 is the merchant number (52 will also work) - EXPiration must be in the form of 0291 for feb of 1991 - XX*XX is the amount. Use a small number like 11*04 for $11.04. Another way mail order companies verifying cards is to call the bank of the card and verify the name of the person and the billing address versus the name you gave the mail order companies and the address (drop site). So the only way of getting pass this is to have the stuff sent to the person's address or getting the waybill number from the mail order houses and intercept the package at the UPS or Federal Express office before the package arrive's at the card owner's address. V. VISA BANK Numbers 4428 Bank of Hoven 4128 Citibank CV 4271 Citibank PV 4929 Barclay Card CV (from England) 4040 Wells Fargo CV 4019 Bank of America CV 4024 Bank of America PV 4019 Bank of America Gold (This card looks like a CV but without a CV after the expiration date) 4678 Home Federal 4726 Wells Fargo CV 4036 4561 4443 4833 4070 4735 4673 4044 4050 4226 4605 4923 4820 4048 CV 4121 VI. Mastercard A. BANK NUMBERS 5419 Bank of Hoven 5410 Wells Fargo 5412 Wells Fargo 5273 Bank of America Gold 5273 Bank of America 5254 Bank of America 5286 Home Federal 5031 Maryland of North America 5326 5424 5250 5417 5215 5204 5411 5421 5329 5308 5217 5415 B. BANK ID NUMBERS 5410 Wells Fargo -- 1037 5410 Wells Fargo -- 6785 5419 Bank of Hoven -- 1933 5410 Wells Fargo -- 6037 5204 -- 1006 5250 -- 1260 5215 -- 6207 5424 -- 1065 5411 -- 1169 5421 -- 2143 5417 -- 1786 5417 -- 1711 5415 -- 1530 VII. AMERICAN EXPRESS 3728 GOLD 3713 Regular 3732 Regular 3737 3782 3731 3724 3742 3727 3787 3726 3766 3734 3749 3763 3710 3718 3720 3739 VIII. CONCLUSION Well this comes to an end of this N.A.R.C. file. If you know any more Bank Id#'s and the first four digits to which issuing bank which are not listed above, please contact me (Htaed) at Nuclear Wasteland or at Critical Condition. If you also know what bank owns which numbers, also contact me.What I really want is the small banks that issues cards' numbers like Brookside Savings with like only two branches offices. __ _ __ ( c ) N. A. R. C. 1989 /| //_//_> / / |// // X /__ < = = = = = = = = = = = = = = = = E O F = = = = = =