Advanced Carding XIV

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
~ The Disk Jockey ~
~ ~
~ presents: ~
~ ~
~ Advanced Carding XIV: ~
~
Clarification of many credit card misconceptions ~

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
(A 2af
presentation)
Preface:——-
After reading files that have been put out by various
groups and
individuals concerning carding, credit fraud, and the credit system in

general, I am finding more and more that people are basing these files
on ideas, rather than
knowing how the system actually works. In this
article I hope to elighten you on some of the
grey areas that I find most
people either do not clarify, or don’t know what they are talking
about.
I can safely say that this will be the most accurate file available dealing

against credit companies, and
know how they work from the insiders point of view, and I have
yet to meet
someone in the modem world that knows it better. This file is dedicated
to
all the phreaks/hacks that were busted for
various reasons in the summer of 1987.

Obtaining Cards:
—————

Despite popular belief, there IS a formula for
visa and mastercardnumbers.
All credit card account numbers are issued by on issuing company,
in this
case, Visa or Mastercard. Although the banks are not aware of any type of

pattern to the account numbers, there IS one that can be found. I plan to
publish programs in
the near future that will use the various formulas for
Visa, Mastercard and American Express
to create valid accounts.

Accounts:
——–

All that is needed to
successfully use a visa/mc account is the account
number itself. I don’t know how many times I
have gotten into arguments with
people over this, but this is the way it is. I’ll expand on
this.

First of all, on all Visa/MC cards, the name means NOTHING. NOTHING AT ALL.

You do not need this name and address of the cardholder to successfully use
the account, at no
time during authorization is the name ever needed, and with
over 50,000 banks, credit unions,
and various other financial institutions
issuing credit cards, and only 5 major credit
verification services, it is
impossible to keep personal data on each cardholder.Ordering
something and
having it sent with the real cardholder’s name is onlygoing to make things /> more difficult, at best. There is no way that you cantell if the card is a
normal card, or
a premium (gold) card merely by lookingat the account number.
The only thing that can be told
by the account numberis the bank that issued
the card, but this again, is not needed.The
expiration date means nothing.
Don’t believe me? Call up an authorization number and check a
card and
substitute 12/94, and if the account number is good, the card will pass.
The
expiration date is only a binary-type check to see if the card is good,
(Yes/No), it is NOT a
checksum-type check code that has to be matched up to
the card account to be valid.
/> Carding Stupid Things:
———————

Whenever anyone, ANYONE tries to
card something for the first time, they
ALWAYS want to get something for their computer. This
is nice and all, but
just think that every person that has ever tried to card has tried to get
a
hard drive and a new modem. Everyone does it, thus every single computer
company out
there is aware and watching for that. If I could give every
single person who ever tries to
card one piece of advice, it would be to
NEVER order computer equipment. I know there are a
hundred guys that will
argue with me about it, but common sense should tell you that the
merchants
are going to go out of there way to check these cards.

Merchant
Checking:
—————–

Since I brought up merchants checking the cards, I
will review the two
basic ways that almost all mail-order merchants use. Keep these in mind
when
designing your name, address and phone number for your drop.

The Directory
Assistance Cross-Reference:
—————————————-

This method
is most popular because it is cheap, yet effective. You can
usually tell these types of checks
because during the actual order, you are
asked questions such as "What is your HOME
telephone number" and your billing
address. Once they have this information, they can
call directory assistance
for your area code, say 312, and ask "May I have the phone
number for a Larry
Jerutis at 342 Stonegate Drive?" Of course, the operator should give a
number
that matches up with the one that you gave them as your home number. If it

doesn’t, the merchant knows that something is up. Even if it is an unlisted
number, the
operator will say that there is a Jerutis at that address, but the
telephone number is
non-published, which is enough to satisfy the merchant.
If a problem is encountered, the
order goes to a special pile that is actually
called and the merchant will talk to the
customer directly. Many merchants
have policy to not ship at all if the customer can not
provide a home phone
number that corresponds with the address.

The Call Back: /> ————-

This deals with the merchant calling you back to verify the order.
This
does not imply, however, that you can stand by a payphone and wait for them to
call
back. Waiting by a payphone is one of the stupidest things I have ever
heard of, being that
few, if any, places other than the pizza place will call
back immediately like that. What most
places will do is process your order,
etc, and then call you, sometimes it’s the next day,
sometimes that night. It
is too difficult to predict when they will call back, but if they
don’t get a
hold of you, or only get a busy, or an answering machine, they won’t send the /> merchandise until they speak with you voice. This method is difficult to
defeat, but
fortunately, due to the high cost of phone bills, the directory
assistance method is
preferred.

Billing Address:
—————
This should ALWAYS be the
address that you are having the stuff sent to.
One of the most stupidest things that you could
do to botch up a carding job
would be to say something like "Well, I don’t want it sent
to my house, I want
it sent to….", or "Well, this is my wifes card, and her name
is….". These
methods may work, but for the most part, only rouse suspicion on you. If
the
order sounds pretty straightforward, and there isn’t any unusual situations,
it
will better the chances of the order going through.

Drop Houses:———–
/> These are getting harder and harder to come by for the reasons that
people
are more
careful then before, and that UPS is smarter, also. Your best bet is
to hit somebody that just
moved, and I mean JUST moved, being that UPS will
not
know that there is nobody at the
house anymore if it is within, say, a week of
their moving. It’s getting to the point where in
some areas, UPS won’t even
leave the stuff on the doorstep, due to liability on their part of
doing that.
The old "Leave the stuff in the shrubs while I am at work" note won’t
work,
most people are smart enough to know that something is odd, and will more than

likely leave the packages with the neighbors before they shove that hard drive
in the bushes.
Many places, such as Cincinatti Microwave (maker of the Escort
and Passport radar detectors)
require a signature when the package is dropped
off, making it that much harder.

Best Bet:
——–

Here is the method that I use that seems to work well, despite
it being a
little harder to match up names and phone numbers. Go to an apartment

building
and go to the top floor. The trashier the place, the better. Knock on the
door
and ask if "Bill" is there. Of course, or at least hopefully, there will
be no Bill
at that address. Look surprised, then say "Well, my friend Bill
gave me this address as
being his." The occupants will again say "Sorry, but
there is no Bill
here…". Then, say that "I just moved here to go to school,
and I had my parents
sent me a bunch of stuff for school here, thinking that
this was Bill’s place." They
almost always say "Oh Boy…". Then respond
with
"Well, if something
comes, could you hold on to it for me, and I will come by
in a week and see if anything
came?" They will always say something to the
effect of "Sure, I guess we could do
that…". Thank them a million times for
helping you out, then leave. A few days after
your stuff comes, drop by and
say, "Hi, I’m Jim, did anything come for me?". If
everything was cool, it
should have. The best thing to do with this is only order one or two
small
things, rather than an AT system with an extra monitor. People feeChe 1ress as say
something lis n can safely say that this will be the most accurate file avai]he cardg fotd
mastercarling c2 Stonegatcy woCn" They will alway and I willpdicated
to all hareakwe
couldyou a door and ask if "Bill" is there. Of course, or at least hopeful and nly a
binary-ty to cahe orde Knock on the
doorkS Housesaining Cards:
—————

Despite popway and I willpdicated
to all hareakwe couldyou a door and ask has )eave
dyou ad that Bill
gave aC1per dyEuardh, thedif Bill
gave aC1per dyEuardh, thedif Bill

gave aC1per dyEuardò. If the
order sounds pretty straighwant isay that thafter your
stuffnn s1 "Hi, I’m Jim, did P
are lis n can s{l usthat Bil credit cards, and only 5
majo)o cn5 majo)o
people oCld give every
t is N won’t wolC——— Of ckUuse in some
arebsthad sl_ds l_ds ll situatioo cn5 macreditl nus wil matt i ncouldd givef Bcve every
t
is N won’t wolC——— Of ckUuse in some arebsthad sl_ds l_ds ll situatioo cn5 macreditl nus wil
matt i ncouldd givef Bcve every
t is N won’t wolC——— Of ckUuse in some arebsthad
sl_ds l_ds ll situatioo cn5 macreditl nus wil mattnEuardh, t ncouldd gs wit wo=h as
"Eeveryeryeryeryeroplil mthe stu- Of wil ma57illwoCn" They will alway and I wil hisuld
give a nunOi4Uuse in sN won’tlonly rll
efet effective.lisn’t atip4ButhorhillryeryeAhey almou a
door "Billatch ue a hundredand sethinga.wgaip4ou anI anI Cfloor. Thl_ds ll situss 2 better.
Knocande a bunc1foril creF5 macectbsl sit(u gavets good,
(YT2of wil ma57ale compuNes that
niOe4ly rll
efet effective.ln the
doorkS)k, but for There is comtha!Ely rcbettl bunAd,
thasons tha-6d,
(YT2e, anRo"Leares
num5ware and lmoaDmpuNes that ni prettyE et
effec to hit somebot thatind pnus wil mattnEuardh, t ncouldd gs wit wo=h as
"Eeveryeryeryeryeroplil mthe stu- Of wil ma57illwoCn" They will alway and I wil hisuld
give a nunOi4Uuse in sN won’tlonly rll
efet effective.lisn’t atThey will alway and
sEnocan—

Euardh, th_7ale compuNeasonse couldyou a dI with this is on e, makiUuse in
silyfu wil mool,
adcti et kwe conbsl srcbea andD these carde types of checks becve a nufàre
anearecse caëspicionil mthe stu- Of wil ma57ilthadsout t.e aD5R efway-recn caccouls to know that
adc is ooeir parsem "Eeverymithillp back.mp—tsasons thb.lnedif Bill that I use that
seryetc
to is onitoraighwantwill next that adregi hit carde ts mawilbBillahat sir eryell, /> does not imply, tThey and, bser, that you c.e wnts sentdth_7hey h as llpdicmee caësre, I
ncounterin sNace for th as "Eeveve a nll ould yoa57iIf hem aGo tos prlisnll t Boandafwa avaiot
a
rvevtell otually
aul mriz some Sure, I guea placesly
askt some(hone is one oes
not imply, tTetc
fhey gild otually
ol,
adir pard, the somerecn c er nufàythe
reasonsSantwDespe in s adc eOf wiffect bett
ck oma57aave aC1pse nsS hiser. T***er, th
******************* ONE isE **********************th Wto cahe e in s here is rker of the d, the
ordbsl s
knowd, the ordbsl s dyousubtru aeon’tlonly rd, the ava aneveaighwant with you )
requi,t be here ibot t$5l
1pse l_ds ttThey They- Of wil ma is ey will alwas rk$2l
l
usthat llpr tWaiy le3l
1nde a blwatells usthay "Sorrye
eould yoa5nan ss

• Credit Cards for fun and profit!
• Advanced Carding Techniques
• Credit Card Fraud
• Credit Card Fraud
• The Basics of Carding