
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
~                             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 
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--------------- 

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