CARDING by Devpac For those who don't know carding revolves around the usage of credit cards (Visa, Master Card, American Express etc.) to buy things for use of sale. As a general rule you use someone else's card. If you didn't then you'd have to pay, and nobody enjoys that. Alot of schoolkids usually come across carding when they are bumming around in the summer, think big and give it a shot. I've never known a kid who has had it work first time out. Before you can be successful you must have the knowledge and that what this page has to offer. THE SYSTEM Firstly I think everyone needs a good knowledge and understanding of what a credit card is, what it can do and how they work. Here is a brief overview of the system: A Man (with his dog) walks into a store and decides to buy a new power tool so he can finish renovating the porch which he's been putting off for ages. He has a regular job that pays monthly but he needs his tool now so he decides to buy it on his credit card. He takes the goods to the counter where they take down some of his details and he walks out of the store with the power tool in hand and that's the end of it for now. His details that were taken down are stored on little slips of paper or in a computer file. At the end of the month his, and all the others details are collected up and sent off to Visa or MasterCard etc. The people at Visa then take on the responsibility for the goods. that were bought and they send off the money their credit card holders have spent to the store where they spent it. The store is now happy, on level terms and out of the picture. Now the credit card company has lost money, so they send a bill to the man (and his dog) asking for their cash. The man then pays what he owes and everyone is happy. It is important to understand that by carding you are not stealing from an individual or from a small store. Every time, no matter what oddities happen along the way, the store will be paid and the man with his dog will only pay what they have lawfully spent, any discrepancies are taken up by the card company. THE CARD A credit card is a piece of cheaply manufactured plastic. In itself it's useless. You can make money as a carding without ever seeing or touching one. The credit card links information to money (and therefore goods) and vice versa. The important thing is the information that is tagged to a credit card, that is what a carder needs. So what information are you going to need in order to convince the store that you are someone that you are not. Well obviously you need to know the persons name. Also, no credit card transaction can take place without the number of the card account. Those are the two main fields of information that will always be required. After that there are several other items that could be asked for, just to make sure that the correct card is being charged. I'll go through some of them individually. Expiry date. A new credit card is only issued for a set time. It used to be the case that someone could get a credit card, go off and buy things and even if they got into debt and never paid the card company they could carry on buying. Simply because in those days by the time someone knew the card was no good the user was at home with his new stuff. Since there was no fixed term on the card it could run up a bill for years. So a typical card now lasts 2 or 3 years. After that, even if the credit is good, it cannot be used. Some companies may check the expiry date with the card database, others just glance at it and make sure it has a few months left on it. You've got about a 30% chance that it will be checked. So 7 out of 10 times you can just make up a date in a few months and you'll get away with it. Address. When a store asks for an address they usually want what is known as the billing address. This is the address where, at the end of the month Visa or whoever send the bill to the cardholder. This address can be checked with the card company for authenticity and so some stores will only dispatch to the billing address on the credit card transactions. Some stores will ask for the address to deliver to, this cannot be checked and so anything goes. Have it delivered to Timbuktu and they wont give a fuck. Some stores ask for the billing address and, if different, the delivery address. In awkwardness these lie between the two others. Phone number. You will often be asked for a telephone number where they will contact you to arrange delivery or ask questions. If they don't get to you on the phone they will begin to question the rest of your information more thoroughly. To my knowledge the major card companies do not store a checkable phone number on their database so you can get away with using one of your own. Of course not your home phone because it belongs to you and can easily be traced to you. A ripped mobile is a good phone to use. As well as not having to wait by the phone all day (it can wait by you) it is untraceable. If you cannot sit by the phone all day it is a good idea to leave an answerphone attached to the line with the message not quoting any names just the number. This may satisfy a store, if not they might ask you to ring them (far safer) and it'll lay their suspicions to rest. I think I should also quickly talk about the card number itself. These are no just randomly generated numbers. When a new card is issued the card company uses a set algorithm (Known as the "Modular - 10" or "Luhn" algorithm) to mathematically generate a number for the card. The most common cards Visa and MasterCard both use the same algorithm and produce either 13 or 16 digit numbers. Every time though the first 4 and occasionally the first 6 of these numbers are a code which links a bank of issue to a card. e.g. 4532 xxxx xxxx xxxx could be issued by the Bloggs bank of New Jersey. American Express and discovercard numbers are in different formats but use a similar algorithm to generate them. Some clever folks have written computer programs that can run these algorithms and have code listing so they can generate card numbers that could be real. They will pass most checks but remember these could be but aren't necessarily real cards. There are alot of real credit cards in the world but there are many more possible combinations of digits. Having said all that these programs do have their uses. If you didn't copy a card number accurately or had trouble reading it then the programs can often correct it. Also if you're buying card details from a crackhead or something then it pays just to quickly check that the numbers are realistic. A couple of programs are available for download from my site: http://members.tripod.com/~Devpac/programs.htm. CARD INFOMATION This is the part where you have to be cunning. Loads of different methods for obtaining the vital cardholding information have been tried over the years but here are some that have been proved to work regularly in the past. The first is the most accessible to the vast majority of people but does require a sharp nerve. Simply go through the phone book picking out people, from this you'll already have a name, address and phone number and you haven't even done anything yet. Now ring them and pose to be from a well respected organisation like Visa or MasterCard. Try and get them to give you the information from their card. Say things like your doing a random check or something. Remember though that in some countries (UK especially) the phone number you are dialling from can be logged at the other end, so be very careful. Withhold your number if at all possible (prefix 141 in UK). Now, when a purchase is made in a store the store keeps a receipt of the transaction. They're usually on little blue bits of paper printed out from a computer. There are actually two identical copies of this receipt, one is kept by the consumer and the other is kept by the store. On these receipts is usually printed the card number, it's expiry date and the cardholders name. In alot of cases that will be enough information to start buying stuff, so if you can get your hands on some of these slips it's a good start. So obviously there are two sources for this type of information, one is the store and the second is the consumer. At a store the receipts are almost always kept in or underneath the till. At the end of the day or week or whatever they are collected up and processed. So you've got to choose whether you're going to get them before or after they've been processed. If before then you'll probably need a few friends. Go into a store, make a distraction and pick up the slips. Or if you're holding up a store don't just take the cash, the slips are just as valuable in the right hands. Remember though that the slips taken at this stage will be noticed missing. This isn't a great problem in the immediate future but it does mean that next time you go in they will be far more suspicious. If you take them after processing then nobody will ever know, but it's finding them which is now the problem. They'll usually be thrown in the trash or destroyed so you need to observe the store very carefully to see what their routine is. Then again get some friends together and raid the place at night. Of course is you actually worked in the store, it would be easy to take slips. Getting slips from individuals is a different task altogether, there are loads to many ways I've heard of it being done here. A few examples is breaking into their home at night and taking card information and slips from their bags. Robbing them in the street. In pubs, parties or clubs simply going around to peoples jackets and bags and having a quick search. Use your imagination. But remember not to take the card itself. When it next is needed and found missing the account will be closed so it's no good to anybody. The third proven method is to intercept a persons post. Then you receive their monthly billing statements, newly issued cards allsorts (Chequebooks even, these can often be used in the same way as credit cards to very good effect). Again remember not to take every little thing from their post or they will become suspicious. Just sit back and be patient, I think that applies to all areas of carding, and other stuff too. A good way to gain access to alot of post is to get a job at a post office or something. Over Christmas alot of places take on temp staff to cover all the cards. Also whenever you get some new card information it makes sense to check out the card and it's limits. To use this obtain a merchant checking account. These are telephone numbers you ring and then enter the card number and expiry date and it can tell you how much credit is left on the card. I'll be posting some here soon. That's the three main methods covered but use your imagination. Any details you don't get originally can often be found using a bit of research and observation. PURCHASING Now you've got all the information on people and their credit cards you are ready to make a purchase. This stage of the process is often where people meet their downfall as you now have to make contact with the store themselves. You've got to keep cool. Even if you do get challenged (which you will do regularly at first) keep your wits about you and work around it. Don't just hang up telling the store to fuck off cos they're a bunch of cocksuckers. I reckon that'll arouse their suspicions. If a card number doesn't go through then say you'll speak to your bank to find out what's going on. That way you walk away with some credibility left, albeit not much. The four main ways of buying things on credit cards are as follows. By phone to mail order, by internet to mail order, by mail to mail order, directly to a high street store. I wouldn't try the latter myself, but if you do have the facilities to press cards and stuff then it's worth a shot. In many ways it's the best, I mean you can try before you buy and once you are out of the store, so long as you aren't a regular shopper, then you're gone forever and they won't catch you. Just make sure you don't do any of this on your doorstep because I guarantee you will be caught. Using standard mail to order is the safest and by far most reliable, unfortunately alot of people aren't patient enough. But that's their fault. The good points about mailing is that you, the orderer, are untraceable. You can keep sending out orders and even if they are rejected, what can they do? Fuck all that's what they can do. Also, it is very easy to make a mailing slip look authentic. So long as all your information is authentic then it won't even be questioned, most places that operate by mail don't have the technology to look up lots of details anyway. One drawback is that it's difficult to get feedback from them about like when the shit is being delivered. Second best is ordering by phone. If you have the ability to sound convincing enough then you can get away with it. Also you can answer any questions they have immediately. So they wont have a long time to research into how real you are. Also make some enquiries as to price. If you seem to be ordering the most expensive shit carelessly they'll become suspicious. Ask how much xxxxxx would be if you didn't have xxxxxx on it and then get that one. It pays to practise this with some friends. If you are doing this and also getting card details off people by ringing up and faking being from Visa etc then you'll soon become a pro at this and will be able to pull oscar winning performances every time. Internet ordering can be quite awkward although it's the most used simply because it's very accessible to people like you viewing this magazine. Unfortunately internet stores as a general rule have very tight security. Many have online detail checking direct from MasterCard etc. It is hard to use fake information to get by a good internet site although if you do you can get good feedback off them. You will learn by experience that knowing when a package is coming and who it's being delivered by are good assets to have. I also have to point out that you ought to know about things like IP tracing and recording etc. Internet sites can record infomation about the viewers of the page and if you aren't careful you can leave alot of evidence behind that may seem insignificant to you but in the hands of the right person can yield alot of useful infomation to aid your downfall... You have been warned. Porn sites though don't have much security. Their nature means they aren't main stream and don't have big incomes to be able to afford good security. If you are into that sort of thing a credit card generating program will be quite sufficient. DELIVERY Taking secure delivery of goods is the hardest part to master. Any kid can do the rest of the stuff but not this. You've got to be quick thinking and clever. I've spoken about not doing things on your doorstep before and now is more important than ever. Do not get things bought on mail order delivered to your own home. I've seen this happen time and time again and people are actually surprised when a card is revoked or refused and policeman plod comes knocking on your door. I even saw a TV documentary about some people who effectively carded a bedroom suite to be delivered to their door and installed. All of this was being watched by a couple of gobsmacked cops who needless to say arrested them there and then. The whole idea you've got to think about here is making sure there are no links between you, your goods and the store. So a good idea is getting goods delivered to another house. Again, don't use you're next doors neighbour because it'll be traced to you. Use new houses, empty houses, maybe where nobody lives or the people have gone on holiday. Things like that. Then you wait until the goods are delivered and go pick them up. If the house is occupied don't worry, it's not really a bad thing. In fact it can be a good thing. If a delivery van turns up, most people will sign for it without even asking what it is (most of the time the delivery guy wouldn't say anyway). This will put the delivery guy at rest. Now you can go around to this persons house and say "I think there's been a delivery mix up, have you received any parcels?" etc. They'll remember the strange thing that they didn't order, hand it to you and you'll be off. They won't know where you've gone to and that's that. The police will go knocking on their door and they'll have to say that some kid in baggy jeans with a baseball cap came around... you get the picture. Once you've got the goods away then you're in the clear. Just don't go around their house again !!! Operating through an empty house is a different story. It's a case of convincing the delivery guy that the house is occupied and belongs to you. It's unlikely that you're going to be able to hang around all day waiting for the delivery man so your best shot is to leave a note saying please leave in xxxxxxx . A good tip is to make sure that the note is signed. Most delivery companies like UPS or FedEx won't deliver unless the note is signed. Another good ploy can and has been done if you know someone who works in the post office or at a delivery company. I know of one scam in London where people ordered shit from a computer store that delivered by Business Post. When the stuff reached the sorting depot it was taken aside by one of the employee's and taken home. It appeared though as if the stuff had been delivered to another address though. One or two occasions they actually mailed on the empty boxes for proof of delivery. So that's that. Just make sure you take your time and plan plan plan. Don't get too greedy and impatient. Devpac Copyright 1998