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* Credit Cards for fun and profit! *
* 8/2/84 for Southern New York *
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The
following is presented merely for your entertainment, and is NOT in
any way intended for
illegal use. References are used from "Credit Card
Fraud" by the Ice Man.
As
the Ice Man said, "The stakes are high, but ‘The end justifies the
means’". This is
merely an aloboration of his Five-Step method of credit
card fraud.
Step one:
Getting the numbers.
When a credit card is used in a store, copies must be made of
the
information contained on the card. These copies are usually made using
carbon paper,
which is thrown out after use. Some customers even go as far
as having the carbons ripped up,
but these are easily pieced back together.
Carbons can be found in the trash of almost every
major department store in
your area. Be careful with the carbons because they easily wrinkle
and
become unreadable. The best stores to check are;
1) Department stores
2) Drug stores
3) Clothing stores
Unfortunately, because of fraud, the NEW credit slips
are CARBONLESS,
which means you must get your numbers by different means. Another way to
get numbers is to look someone’s name and address up in the phone book,
call them, and in a
VERYconvincing voice say, "Hello. This is John Doe
from the VISA credit-card fraud
investigating office. A fraudulent charge
was made with your name and address, and we need to
check your card number
to be sure no one has used it illegally. Do you own a VISA card?"
If the
answer is yes, then say, "Well, can you read me your number and expiration
date so that I can check it to make sure it’s safe?" If the person is REAL
STUPID, you’ll
have a name, number, and date in no time. Make sure you have
it right, and tell them you’ll
check it and call them back. (Don’t!)
Step two: Recognizing cards from copies.
Card examples:
[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
the company will back this card up for $5000.00 even if the guy is broke.
[Mastercard]
5XXX XXXX XXXX XXXX
XXXX AAA DD-MM-YY MM/YY
JOESHMOE
Explanation:
XXXX in the second row may be asked for when ordering stuff. The first date
is when the card was new, the second when it expires. The most frequent
number combination
used is 5424 1800 XXXX XXXX. There are many of these
cards in circulation, but many are on the
wanted lists, so check these
first.
[Visa]
4XXX XXX(X) XXX(X) XXX(X)
MM/YY MM/YY*VISA
JOESHMOE
Explanation:
Visa is the most abundant card around, and
is excepted 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 -"Prefered
card"
2) MM/YY*VISA CV -"Classic card"
3) MM/YY*VISA PV -"Premier
card"
"Prefered" cards are backed with more money and are mush safer to use.
backing.
"Premier" cards are "Classic" with "Prefered" 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 in southern New York, although
they are usually covered for
large purchases.
Step three: Testing credit.
Next you need to check if a card is stolen, or has enough credit left.
There are phone
numbers that stores call to check cards. Most have these
numbers and their MERCHANT NUMBER
somewhere around the phone or where they
stamp the slips. It’s easy to either find these and
copy them, or to wait
until they call one in. Watch what they dial and listen for the eight
read off the
ACCOUNT NUMBER, MERCHANT NUMBER, AMOUNT, and EXPIRATION DATE.
They will tell you if it’s okay,
and will give you an authorization number.
Pretend you’re writing this number down, and repeat
it back to them to
check it. Ignore the number completely, because it serves no real
purpose.
Once you do this, however, the bank removes dollars equal to the amount
you
told them, because the card was supposedly used to buy stuff. Sometimes
you can trick the
operator by telling her the customer changed his mind and
decided not to charge it. Of course,
some won’t 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
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 drops;
1) 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. Just
ask for a list of twenty houses for
sale and tell them you’ll check out the
area. Do so, until you find one that suits your
needs.
2) Rent-a-spot. U-HAUL rents spaces where you can have packages sent and
signed
for. End your space when the package arrives.
3) People’s homes. Find someone you don’t know,
and have it 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?
Thank you." Then pick it up later. Ice Man says this is also reliable.
4) Anything
similar to post office boxes should also work. Make sure that
the box cannot be traced back to
you.
Step five: Using the cards.
The best things to order from are
magazines, or catalogs. Order at the
beginning of the month. Billing is done at the end of the
month, and this
gives you more time to be cautious. Try to call late in the day or at
night,
or on weekends, when people are tired and careless. Memorize the number,
and
date, and learn how to SPELLTHE NAME. Don’t try to sound old or
mature, because this usually
doesn’t work. Think positive, and if you run
into a snag, say something like "Gee! My mom
left me the card number to use
to buy this stuff. She forgot to leave (whatever is wrong or
missing). I’ll
call her and ask her what it is." Don’t call back for a few days, and do
it
at a different time with a different card. This works well when you screw
up. Have
the package sent UPS overnight air, because yo are not paying for
anything. Sound positive,
and have all your information ready. The Ice Man
also advises not to post numbers, due to the
trouble you can get the SYSOP
into, and the stupidity of most of the people on boards.
Insurance companies (those blood suckers) pick up the tab on all goods
bought with fraudulent
credit numbers. Always remember to be CAREFUL and
REASONABLE when using card numbers.
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