Credit Card Fraud brought to you by The Jolly Roger For most of you out there, money is hard to come by. Until now: With the recent advent of plastic money (credit cards), it is easy to use someone else's credit card to order the items you have always desired in life. The stakes are high, but the payoff is worth it. Step One: Getting the credit card information First off, you must obtain the crucial item: someone's credit card number. The best way to get credit card numbers is to take the blue carbons used in a credit card transaction at your local department store. These can usually be found in the garbage can next to the register, or for the more daring, in the garbage dumpster behind the store. But, due to the large amount of credit card fraud, many stores have opted to use a carbonless transaction sheet, making things much more difficult. This is where your phone comes in handy. First, look up someone in the phone book, and obtain as much information as possible about them. Then, during business hours, call in a very convincing voice - "Hello, this is John Doe from the Visa Credit Card Fraud Investigations Department. We have been informed that your credit card may have been used for fraudulent purposes, so will you please read off the numbers appearing on your Visa card for verification." Of course, use your imagination! Believe it or not, many people will fall for this ploy and give out their credit information. Now, assuming that you have your victim's credit card number, you should be able to decipher the information given. Step Two: Recognizing information from carbon copies Card examples: [American Express] XXXX XXXXXX XXXXX MM/Y1 THRU MM/Y2 JOE SHMOE [American Express] XXXX XXXXXX XXXXX MM/Y1 THRU MM/Y2 JOE SHMOE Explanation: MM/Y1 is the date the card was issued, and MM/Y2 is the expiration date. The American Express Gold Card has numbers XXXXXX XXXXXXXX XXXXXXXX, and is covered for up to $5000.00, even if the card holder is broke. [Mastercard] 5XXX XXXX XXXX XXXX XXXX AAA DD-MM-YY MM/YY JOE SHMOE Explanation: XXXX in the second row may be asked for during the ordering process. The first date is when the card was new, and the second is when the card expires. The most frequent number combination used is 5424 1800 XXXX XXXX. There are many of these cards in circulation, but many of these are on wanted lists, so check these first. [Visa] 4XXX XXX(X) XXX(X) XXX(X) MM/YY MM/YY*VISA JOE SHMOE Explanation: Visa is the most abundant card, and is accepted almost everywhere. The "*VISA" is sometimes replaced with "BWG", or followed with a special code. These codes are as follows: [1] MM/YY*VISA V - Preferred Card [2] MM/YY*VISA CV - Classic Card [3] MM/YY*VISA PV - Premier Card Preferred Cards are backed with money, and are much safer to use. Classic Cards are newer, harder to reproduce cards with decent backing. Premier Cards are Classic Cards with Preferred coverage. Common numbers are 4448 020 XXX XXX, 4254 5123 6000 XXXX, and 4254 5123 8500 XXXX. Any 4712 1250 XXXX XXXX cards are IBM Credit Union cards, and are risky to use, although they are usually covered for large purchases. Step Three: Testing credit You should now have a Visa, Mastercard, or American Express credit card number, with the victim's address, zip code, and phone number. By the way, if you have problems getting the address, most phone companies offer the Address Tracking Service, which is a special number you call that will give you an address from a phone number, at a nominal charge. Now you need to check the balance of credit on the credit card (to make sure you don't run out of money), and you must also make sure that the card isn't stolen. To do this you must obtain a phone number that businesses use to check out credit cards during purchases. If you go to a department store, watch the cashier when someone makes a credit card purchase. He/she will usually call a phone number, give the credit information, and then give what is called a "Merchant Number". These numbers are usually written down on or around the register. It is easy to either find these numbers and copy them, or to wait until they call one in. Watch what they dial and wait for the 8 digit (usually) merchant number. Once you call the number, in a calm voice, read off the account number, merchant number, amount, and expiration date. The credit bureau will tell you if it is ok, and will give you an authorization number. Pretend you are writing this number down, and repeat it back to them to check it. Ignore this number completely, for it serves no real purpose. However, once you do this, the bank removes dollars equal to what you told them, because the card was supposedly used to make a purchase. Sometimes you can trick the operator by telling her the customer changed his mind and decided not to charge it. Of course, some will not allow this. Remember at all times that you are supposed to be a store clerk calling to check out the card for a purchase. Act like you are talking with a customer when he/she "cancels". Step Four: The drop Once the cards are cleared, you must find a place to have the package sent. NEVER use a drop more than once. The following are typical drop sites: [1] An empty house An empty house makes an excellent place to send things. Send the package UPS, and leave a note on the door saying, "UPS. I work days, 8 to 6. Could you please leave the package on the back door step?" You can find dozens of houses from a real estate agent by telling them you want to look around for a house. Ask for a list of twenty houses for sale, and tell them you will check out the area. Do so, until you find one that suits your needs. [2] Rent A Spot U-Haul sometimes rents spaces where you can have packages sent and signed for. End your space when the package arrives. [3] People's houses Find someone you do not know, and have the package sent there. Call ahead saying that "I called the store and they sent the package to the wrong address. It was already sent, but can you keep it there for me?" This is a very reliable way if you keep calm when talking to the people. Do NOT try post office boxes. Most of the time, UPS will not deliver to a post office box, and many people have been caught in the past attempting to use a post office box. Also, when you have determined a drop site, keep an eye on it for suspicious characters and cars that have not been there before. Step Five: Making the transaction You should now have a reliable credit card number with all the necessary billing information, and a good drop site. The best place to order from is catalogues, and mail order houses. It is in your best interest to place the phone call from a pay phone, especially if it is a 1-800 number. Now, when you call, don't try to disguise your voice, thinking you will trick the salesperson into believing you are an adult. These folks are trained to detect this, so your best bet is to order in your own voice. They will ask for the following: name, name as it appears on card, phone number, billing address, expiration date, method of shipping, and product. Ask if they offer UPS Red shipping (next day arrival), because it gives them less time to research an order. If you are using American Express, you might have a bit of a problem shipping to an address other than the billing address. Also, if the salesperson starts to ask questions, do NOT hang up. Simply talk your way out of the situation, so you won't encourage investigation on the order. If everything goes right, you should have the product, free of charge. Insurance picks up the tab, and no one is any wiser. Be careful, and try not to order anything over $500. In some states, UPS requires a signature for anything over $200, not to mention that anything over $200 is defined as grand theft, as well as credit fraud. Get caught doing this, and you will bite it for a couple of years. Good luck! __________________________________________________________________________ The Art of Carding by the Jolly Roger Obtaining a credit card number: There are many ways to obtain the information needed to card something. The most important things needed are the card number and the expiration date. Having the card-holders name doesn't hurt, but it is not essential. The absolute best way to obtain all the information needed is by trashing. The way this is done is simple. You walk around your area or any other area and find a store, mall, supermarket, etc., that throws their garbage outside on the sidewalk or dumpster. Rip the bag open and see if you can find any carbons at all. If you find little shreds of credit card carbons, then it is most likely not worth your time to tape together. Find a store that does not rip their carbons at all or only in half. Another way is to bullshit the number out of someone. That is call them up and say "Hello, this is Visa security and we have a report that your card was stolen." They will deny it and you will try to get it out of them from that point on. You could say, "It wasn't stolen? Well what is the expiration date and maybe we can fix the problem.... Ok and what is the number on your card?......Thank you very much and have a nice day." Or think of something to that degree. Another way to get card numbers is through systems such as TRW and CBI, this is the hard way, and probably not worth the trouble, unless you are an expert on the system. Using credit card numbers posted on BBS's is risky. The only advantage is that there is a good chance that other people will use it, thus decreasing the chances of being the sole-offender. The last method of getting numbers is very good also. In most video rental stores, they take down your credit card number when you join to back-up your rentals. So if you could manage to steal the list or make a copy of it, then you are set for a LONG time. Choosing a victim: Once you have the card number, it is time to make the order. The type of places that are easiest to victimize are small businesses that do mail order or even local stores that deliver. If you have an ad for a place with something you want and the order number is NOT a 1-800 number then chances are better that you will succeed. Ordering: When you call the place up to make the order, you must have several things readily at hand. These are the things you will need: A name, telephone number, business phone, card number (4 digit bank code if the card is MasterCard), expiration date, and a complete shipping and billing address. I will talk about all of these in detail. A personal tip: When I call to make an order, it usually goes much smoother if the person you are talking to is a woman. In many cases they are more gullible than men. The name: You could use the name on the card or the name of the person who you are going to send the merchandise to. Or you could use the name on the card and have it shipped to the person who lives at the drop (Say it is a gift or something). The name is really not that important because when the company verifies the card, the persons name is never mentioned, EXCEPT when you have a Preffered Visa card. Then the name is mentioned. You can tell if you have a Preffered Visa card by the PV to the right of the expiration date on the carbon. Nophone all day long waiting for the company to call (Which they will), then the phone number to give them as your home-phone could be one of the following: A number that is ALWAYS busy, a number that ALWAYS rings, a payphone number, low end of a loop (and you will wait on the other end), or a popular BBS. NEVER give them your home phone because they will find out as soon as the investigation starts who the phone belongs to. The best thing would be to have a payphone call forward your house (via Cosm The business number: When asked for, repeat the number you used for your home phone. Card number: The cards you will use will be Visa, Mastercard, and American Express. The best is by far Visa. It is the most straight-forward. Mastercard is pretty cool except for the bank code. When they ask for the bank code, they sometimes also ask for the bank that issued it. When they ask that just say the biggest bank you know of in your area. Try to avoid American Express. They tend to lead full scale investigations. Unfortunately, American Express is the most popular card out. When telling the person who is taking your call the card number, say it slow, clear, and with confidence. e.g. CC# is 5217-1234-5678-9012. Pause after each set of four so you don't have to repeat it. Expiration date: The date must be at LEAST in that month. It is best to with more than three months to go. The address: More commonly referred to as the 'drop'. Well the drop can range from an abandoned building to your next door neighbors apartment. If you plan to send it to an apartment building then be sure NOT to include an apartment number. This will confuse UPS or postage men a little and they will leave the package in the lobby. Here is a list of various drops: The house next door whose family is on vacation, the apartment that was just moved out of, the old church that will be knocked down in six months, your friends house who has absolutely nothing to do with the type of merchandise you will buy and who will also not crack under heat from feds, etc.. There are also services that hold merchandise for you, but personally I would not trust them. And forget about P.O. Boxes because you need ID to get one and most places don't ship to them anyway. Other aspects of carding:Verifying cards, seeing if they were reported stolen. Verifying cards: Stores need to verify credit cards when someone purchases something with one. They call up a service that checks to see if the customer has the money in the bank. The merchant identifies himself with a merchant number. The service then holds the money that the merchant verified on reserve. When the merchant sends in the credit card form, the service sends the merchant the money. The service holds the money for three days and if no form appears then it is put back into the bank. The point is that if you want to verify something then you should verify it for a little amount and odds are that there will be more in the bank. The good thing about verification is that if the card doesn't exist or if it is stolen then the service will tell you. To verify MasterCard and Visa try this number. It is voice:1-800-327-1111 merchant code is 596719. Stolen cards: Mastercard and Visa come out with a small catalog every week where they publish EVERY stolen or fraudulantly used card. I get this every week by trashing the same place on the same day. If you ever find it trashing then try to get it every week. Identifying cards: Visa card numbers begin with a 4 and have either 13 or 16 digits. MasterCard card numbers begin with a 5 and have 16 digits. American Express begins with a 3 and has 15 digits. They all have the formats of the following: 3xxx-xxxxxx-xxxxx American Express 4xxx-xxx-xxx-xxx Visa 4xxx-xxxx-xxxx-xxxx Visa 5xxx-xxxx-xxxx-xxxx MasterCard Gold cards: A gold card simply means that credit is good for $5000. Without a gold card, credit would be normally $2000. To recognize a gold card on a carbon there are several techniques: American Express-none. Visa-PV instead of CV. Note-When verifying a PV Visa, you have to have the real name of the cardholder. Mastercard-An asterix can signify a gold card, but this changes depending when the card was issued. I am going to type out a dialog between a carder and the phone operator to help you get the idea. Operator: "Over-priced Computer Goods, may I help you?" Carder: "Hi, I would like to place an order please." Operator: "Sure, what would you like to order?" Carder: "400 generic disks and a double density drive." Operator: "Ok, is there anything else?" Carder: "No thank you, that's all for today." Operator: "Ok, how would you like to pay for this? MasterCard or Visa?" Carder: "Visa." Operator: "And your name is?" Carder: "Lenny Lipshitz." (Name on card) Operator: "And your Visa card number is?" Carder: "4240-419-001-340" (Invalid card) Operator: "Expiration date?" Carder: "06-92." Operator: "And where would you like the package shipped to?" Carder: "6732 Goatsgate Port. Paris,texas,010166." Operator: "And what is your home telephone number?" Carder: "212-724-9970" (This number is actually always busy) Operator: "I will also need your business phone number in case we have to reach you." Carder: "You can reach me at the same number. 212-724-9970" Operator: "O.K. Thank you very much and have nice day." Carder: "Excuse me, when will the package arrive?" Operator: "In six to seven days UPS." Carder: "Thanks alot, and have a pleasant day." Now you wait 6-7 days when the package will arrive to the address which is really a house up for sale. There will be a note on the door saying, "Hello UPS, please leave all packages for Lenny Lipshitz in the lobby or porch. Thanks alot, Lenny Lipshitz" (Make the signature half-way convincing) ------------------Jolly Roger __________________________________________________________________________ Recognizing credit cards by the Jolly Roger [Sample: American Express] XXXX XXXXXX XXXXX MM/Y1 THRU MM/Y2 Y1 John Doe AX Explanation: The first date is the date the person got the card, the second date is the expriation date, after the expiration date is the same digits in the first year.The American Express Gold has many more numbers (I think 6 8 then 8). If you do find a Gold card keep it for it has a $5000.00 backup even when the guy has no money! [Sample: Master Card] 5XXX XXXX XXXX XXXX XXXX AAA DD-MM-YY MM/YY John Doe. Explanation: The format varies, I have never seen a card that did not start with a 5XXX there is another 4 digits on the next line that is sometimes asked for when ordering stuff, (and rarely a 3 digit letter combo (e. ANB). The first date is the date the person got the card and the second date is the expiration date. Master Card is almost always accepted at stores. [Sample: VISA] XXXX XXX(X) XXX(X) XXX(X) MM/YY MM/YY*VISA John Doe Explanation: Visa is the most straight forward of the cards,for it has the name right on the card itself, again the first date is the date he got the card and the second is the expiration date. (Sometimes the first date is left out). The numbers can eather be 4 3 3 3 or 4 4 4 4. Visa is also almost always accepted at stores, therefore, the best of cards to use.