><><><><><><><><><><><><><><><><><><><><><><><><><><><><> * * * Credit Card Fraud * * * * * * * * Another Modernz Presentation * * * * by: Nereus * * The Guild Master * * Magik * * and edited and contributed to by: Digital-demon * * * * (C)opyright July 23rd, 1993 * ********************************************************* <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><> ******************************************************************************* The Modernz can be contacted at: MATRIX Keep BBS (908) 905-6691 (908) WOK-NOW! (908) 458-xxxx <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><>< <*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*><*> <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><> Disclaimer ---------- I do not promote the act of credit card fraud. If you get caught, don't come crying to me. You did this completely on your own. Mail-Order Credit Card Fraud ---------------------------- This is for carding things via mail or the phone. These can be for your computer, your car, or anything else you get out of a catalog.. What is Carding? Carding is the act of using someone's(preferably someone else's) credit card to buy stuff. When I say "buy" I do not mean you go into a store and ask for a pentium! I mean through the countless number of mail order catalogs out there. Carding is a sure means of getting almost anything you want, but caution must be exercised when one attempts to card. Who can Card? Anyone who can get a CCN(Credit Card Number) and has some balls can card. But not everyone should. Getting the Credit Card Number ------------------------------ You don't actually get the card itself, you get the #, person it belongs, their address+Zip, their phone number, and the expiration date(very important), also not requiredm but useful, if you can find out the limit, that will save you some worrying as to how much you can order. There are only 2 real safe ways of getting the card number. The first is if you work at a store that uses credit cards, you can just take a carbon copy when nobody is looking and stick it in your pocket. I. a. Another good way to get a hold of getting a hold of CCNs is if you work at a job which requires you to handle CCNs, you can get them that way(I won't waste time going over something so simple). Some common places where you can handle cards is in a clothing store, or just usually a store which carries many expensive items. If you do chose to use this method, BE SURE NOT TO BE SEEN DOING IT!! Even though stores that use credit cards tear up the carbons, most times the numbers can still be pieced together. If you don't work at a store, find someone that does and is willing to help you out. Or just go behind some K-Mart at 3am and search through their trash. SOME STORES/BANKS HAVE VIDEO CAMERAS WATCHING THE GARBAGE! Make sure to look for these before even thinking of going through it. If you find one or more, make sure to cover them up or get them out of the way. Push them aside, crack the lense, spray paint them, or whatever it takes. Also make sure to check for anyone that might see you. When you're sure it's in the clear, just start digging for any carbons that the store has thrown out. It can get a little messy, but the carbons are usually near the top, since the store throws them out at the end of the day. b. Trashing by Magik Well, i'm sure you have all heard of trashing, but how many of you actively trash? Let me explore some of the benefits for you. There are several other possible goodies lying in the trash bins for you besides credit card carbons(always a favorite though). For instance, i have found that generous amounts of information can be gained about your peers by merely trashing at your school after it gets out for the summer. You may obtain the entire class's grades and phone numbers in this fashion. For twenty minutes of work(max) not bad eh? The best part about this type of local information is, it can be sold on the street to any shnook in your town with some curiousity. Even better, its at a school, so it would be very difficult for someone to bust you, and you wont have to do all that mission-impossible shit. It is said that the greatest information is found in the bins of Bell offices, this is a much greater risk than trashing at your school (i've seen BIG fences around some buildings .. you know, the kind that say, " go away, go away"). However, you must also think about the payoff, information is power, and power is the key. My word is on this one, do it if you can handle the risks. If you are looking for financial information, a bank would be the obvious place to trash. This carries a great risk, and you never can tell what the bank bastards are up to. A local bank here has metal covered insets into a concrete wall. I assume this is common, and could be remedied easily with a large amount of explosive, or an axe, but this would draw much attention, which is not good in the least. If you run into this type of security measure, try to cut the lock. The locks are usually those master locks that weigh 5 pounds, those are a bitch to break. If you can, avoid them. If there is a locked dumpster, ALWAYS cut the lock, some are attached by shitty little cables that any idiot could cut, but they may trip an alarm , which should also be avoided. My point here is ... banks lock up all their trash, and are a bad risk. The other places to find CCNs are stores that have the old credit-card doohicky machine that makes carbons. These are the absolute best source of CCNs. Some small stores use these, and it is quite simple to get into their waste(they dont usually lock it up). Just go behind the store, watch for people, and go through their shit. No big deal. Hardware stores usually accept CCs, and most decent restaurants accept them. The only problem with restaurants is, they throw out lots of nasty food and shit with the carbons. Prepare to get messy. Should you do any of the actions i just described, always remember, look in the paper waste first ... Oh yeah, and i'm not saying you SHOULD do these things ... just that hypothetically if you were going to ... II. You can also try getting your card number off of TRW, but be careful with this. If you don't have a valid password, hacking is out. At the first wrong password, TRW traces your phone number. Two wrong passwords from the same line, and they start investigating. If you want to get the card of some specific person, you can just catch them as they're leaving work. Knock them down, beat the shit out of them, and take their wallet. Take their watch while you're at it. Just make sure to cover your face so he/she doesn't know who you are. III. The most obvious place to get cards is a good HPVA board that has them posted. Also, there are people who will give you them if you card for them, so you have to ask around, but use your judgment as to who to ask. But the majority of times someone that is going to post a card on a board has already use it till THEY don't feel safe with it any longer, or the card has a really low limit on it. One more way you can get CCNs is if your at a friends house, and they're not exactly your best friend, or you don't mind fucking a friend over, you can look for thier parent's wallet, purse, or whatever, and have you pick of the multitude of cards there, once again DO NOT BE SEEN!! This is especially effective if your at a party, and there's alot of commotion to distract everyone from you. Identifying the Card -------------------- If you have a carbon copy, you need to know what kind of card it is. The three main types of cards are Visa, Mastercard, and American Express. They go by the following formats: I. Visa (Visa card) 4XXX XXX[X] XXX[X] XXX[X] MM/YY MM/YY*VISA JOHN DOE Visa cards always start with a 4. The 2nd, 3rd, and 4th group of numbers can be either 3 or 4 numbers, depending on the card. "*VISA" is also sometimes replaced with a "BWG" on some cards. Visa Gold cards have the same general format, but always have all 16 digits on them. The card may also have letters after the "*VISA", which can identify the card as the following: MM/YY*VISA V [Preferred Card] MM/YY*VISA CV [Classic Card] MM/YY*VISA PV [Premier Card] The preferred cards are always backed with money, and are the safest ones to use. The classic cards are the newer cards which are harder to copy. Premier cards are the classic cards with preferred coverage. Common numbers are 4448 020 XXX XXX, 4252 5123 6000 XXXX, and 4254 5123 8500 XXXX. All 4712 1250 XXXX XXXX cards belong to the IBM Credit Union, and are risky. VISA BINs (Bank Identification Numbers) --------------------------------------- 4013 Bank of Baltimore 4317 First Tier Bank & Trust 4013 Chevy Chase 4327 First Atlantic 4019 Bank of America 4332 Bank One, Indianapolis 4024 Bank of America 4332 First American Bank 4027 Rockwell Federal Credit Union 4339 Primerica Bank 4032 Household Bank 4342 NCMB/Nations Bank 4060 Associates national Bank 4387 Lockheed Federal Credit Union 4070 Secutiry Pacific 4388 First Signature Bank & Trust 4071 Colonial National Bank 4388 Texas Independent Bank 4094 AMC Federal Credit Union 4401 Gary-Wheaton Bank 4094 COOP Services Credit Union 4413 First ier Bank Lincoln 4113 Valley National Bank 4421 Indiana National Bank 4114 Chemical Bank 4428 Bar Harbor Bank 4121 Akaska USA Federal Credit Union 4428 Choice 4121 PA State EMP Credit Union 4436 Security Bank & Trust 4121 Taneytown 4443 Merrill Lynch Bank & Trust 4122 Union Trust 4447 Ameritrust 4128 Citibank of South Dakota 4452 Empire Affiliate Federal Credit Union 4226 Chase Manhattan Bank 4452 Portland Teachers Credit Union 4239 Corestates 4498 Republic Savings 4254 Security First 4502 CIBC 4217 Citibank 4503 Canadian Imperial Bank 4301 Monogram Bank 4506 Beligium A.S.L.K. 4310 BFCU 4510 Royal Bank of Canada 4311 First National Bank Louisville 4520 Toronto Dominion of Canada 4312 Barnett Bank 4537 Bank of Nova Scotia 4316 Leader federal 4538 Bank of Nova Scotia 4316 Pioneer Bank 4539 Barclays 4316 Standard Federal 4544 TSB Bank 4556 Chase 4558 Citibank 4564 Bank of Queensland 4673 First Card 4707 Tompkins County Trust 4719 Rocky Mountain 4721 1st Security 4726 Wells Fargo 4784 AT&T 4800 MBNA North America 4819 IBM Mid America FED CR UN 4833 U.S. Bank 4842 Security Pacific Washington 4921 Hong Kong Bank 4921 National Bank (Mastercard) 5XXX XXXX XXXX XXXX XXXX AAA DD-MM-YY MM/YY JOHN DOE II. Mastercard Mastercard's always start with a 5. The 4 digit number on the second line is sometimes requested in mail orders for verification. The most frequent card numbers are 5424 1800 XXXX XXXX. Matercard BINs (Bank Identification Numbers) -------------------------------------------- 5172 First Bank Card Center 5191 Bank of Montreal 5217 Citizens First NAtional of NJ 5217 Manufacturers Hanover 5217 Union Trust5224 Midland Bank 5224 National Westminster Bank of London 5230 Harris Trust & Savings Bank 5232 Badische Beamtenbank eG 5249 Southeast Bank 5242 Chevy Chase FSB 5258 National Bank of Canda 5268 Canada Trust 5286 First Card 5300 Bay Bank 5308 Primerica 5329 Maryland Bank of N.A. 5329 MBNA 5333 Bank Ohio National Bank 5351 Provident National Bank 5353 Comonwealth BK Australia 5359 Core States 5396 AT&T 5398 AT&T Universal 5402 Westpac Banking Corporation 5410 Citibank 5410 Langley Federal Credit Union 5414 State Street Bank & Trust 5415 Union Bank 5416 Comerica 5416 People's Bank 5417 Associates National Bank 5417 Bank of New York 5418 Household Bank of California 5418 Houshold Bank Salinas 5420 Colonial National Bank 5422 Huntington National Bank 5423 University Credit Union 5423 C B T 5424 Citibank 5465 Chase Manhattan Bank III. American Express (American Express) XXXX XXXXXX XXXXX MM/YY THRU MM/YY JOHN DOE American Express cards have any combination of numbers. The format for Gold Cards is XXXXXX XXXXXXXX XXXXXXXX, and is covered for up to $5000.00. Verifying Your Credit Card Number --------------------------------- You can verify the credit card numbers many ways.. One number you can call is 1-800-842-1250. An operator answers on this one, so again, you need to stay calm. A much better way to validate your number is to call 1-800-228-1111. A carrier will come up, sounding like a modem. Hit the # key on your phone. Enter 5317007000220959 and hit the # key again. The recording will ask you for your card number, expiration date, and amount of purchase. Enter the # key after every entry. Picking a Suitable Drop Site ---------------------------- If you have the company send your merchandise to your house, you're caught. No doubt about it. That's why you need a good place to have the shit sent to, called a drop site. The best drop site is a house for sale, or an abandoned house. Find one that you are SURE no one lives in, because if there is someone staying there, you have blown the whole thing. Also, the best for-sale house are those that were JUST moved out of. And I mean just. 1-2 weeks is best. Another good drop site is someone else's house. Not just anyone's house, but someone who does not live close to you, and does not know you. If they're old and don't have kids, it's even better. Have the package sent to their house, and prepare to do some good social engineering. Get them on the phone, and tell them that you had the package sent to the wrong address. Do NOT give them your real name. Don't tell them where you live, or any real information that they could possibly trace. After it's all over, it's almost definate the police will come to them to investigate. If they can pin you, then you're caught. Do NOT try post office boxes. You will get caught with these every time, guarenteed. Not a good idea. The Execution ------------- Once you have your credit card number and your drop site, it's time to make the order. If you don't have a deep/mature voice, then you'll have to get a friend that does. It is a good idea to make the call from a pay phone. Some companies have caller ID lists of all calls in the last month, and can figure out your number through the process of elimination. If you do pick a payphone, make sure it is a phone that is not on a busy street/in a park/etc. If the lady hears cars and other activity, she will get suspicious. Go to your phone, and call up the company. Make sure you have all your information ready, so you don't have to search through papers and such while you're talking on the phone. (It does not look good when the operator asks you for the drop site address and you have to look it up!) You need a calm voice while doing this. Don't hesitate to say anything, and act as if you know what you're doing. When you've requested the product, the operator will ask for your name, the name as it appears on your card, your phone number, the billing address, the expiration date, and the method of shipping. Some notes: Make the name as it appears on the card your name, you should obviously not give her your real name. Also, if they offer overnight/next day shipping, you should definately request it. It gives them less time to check you out, and besides, you're not paying for it anyway. If the operator has things to do, and starts asking personal questions, stay calm, and don't say anything stupid. Don't start to offer information, trying to cover up anything you previously said. (Example: "Well, I live with my wife and kids. My three kids, that is. And, uh, yeah, my wife is in Miami right now. No, I don't have any kids. Did I say I did? No, I meant, we're thinking of having some kids. Yeah.) The operator may request a call back to verify the phone number you're calling from. Do not stand around the payphone waiting for the call, because it won't happen. Most operators will call back in a few hours, or the next day. Try to bullshit the operator into skipping the call back. Tell them you are at work all day and will not be there to accept. If the operator refuses, offer to have her call you back immediately. This way you can stay by the phone for 10 minutes and receive the call. Picking Up Your Merchendise --------------------------- Go to the house late at night (2am, 3am) and put a note on the door with some bullshit like, "I'm at work all day. Please leave the package on the doorstep." Or if you're worried, have them bring it around to the backyard. Then after you're sure it has arrived, go to the house (again, late at night), pick up the product, and get out of there as soon as you can. Do NOT stick around to check it out. If you can, put it in a bag. If you're scared someone will see you, you can dress in black. Whatever it takes. Make sure no one sees you. This is another good reason to pick a drop site that is not near your house. You can park a block or so down the street, and if anyone does see you, they won't have a clue who you are. If you don't want to get it, you can give some kid 10 bux to pick it up for you, but that is not that safe.. He could be seen, and when the police question him, he will definately point the finger at you. After you have successfully carded the object(s), NEVER use the card again, and DEFINATELY do not use that drop site again. Forget you ever even carded it. Do not get greedy and think, "well, maybe they haven't found out yet. I can use another hard drive..". Computer Service Credit Card Fraud ---------------------------------- The best service to card on is Prodigy or Compuserve. It is much like carding from a mail-order service, but a few things are different. Like in mail-order carding, you need a valid credit card number and a good drop site. Getting a Account ----------------- This can be done a number of ways. You can get one from local bbs's, but they are not as reliable. The best way is to get free trials. Prodigy offers them (1 month trials), and if you buy almost any modem/software, you can get free "Basic Services" from CompuServe. Use your credit card number to subscribe to CompuServe/Prodigy. CompuServe sends your permanent password to your address, use your drop site address. On CompuServe, you have to work fast because not only is the shit you buy being charged to your card, but every minute you spend on the system is charged to the same card. That means the longer you take, the more time they have to find you out. Ordering the Product -------------------- Once you're on, go to the Online Shopping section. Figure out what you want to buy, and place the order. If/When they ask you for a phone number, you can either use one that is not used, or give them your Extension+9970. (Example: Your phone number is (201) 895-6666, give them (201) 895-9970) This number is used by the phone company and is ALWAYS busy. This is also just a good number to give people in general if you are into Fraud. Whatever you order, do NOT go overboard! Don't buy 30 USR DS's, or 15 hard drives. They will definately check it out. To make it more authentic, you can have them send a card with some bullshit like, "Happy birthday, Jimmy!!!" and such. Try to make them think it's just a little family present. Picking the Product Up ---------------------- Picking up your merchandise is mostly the same as picking up any other mail-order product. For details, read the above section on picking up packages from your drop site. Notes ----- Once you have received your package, never use your account again. Throw it away. Don't logon under that name, because if you do it will be immediately traced. Also, you might want to connect to Prodigy/CompuServe via a PBX/Outdial, just incase they trace all calls and can look you up. Conclusion ---------- Again, CARDING IS ILLEGAL! You get caught doing this, we're talking some serious jail time. I take NO responsibility for anything anyone does with the information in this file. <><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><> ******************************************************************************* The Modernz can be contacted at: MATRIX KEEP BBS WOK-NOW! / World of Kaos NOW! / World of Knowledge NOW! St. Dismis Institute Sysop: Digital-demon (908) 905-6691 (908) WOK-NOW! 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