           "Credit Carding"
 
   Confiscated From DREAMSCAPE BBS
 
	First of all, for those of you who don't know exactly what
carding is, well, it's the illegal use of credit cards for the
purchase of items. This can be very useful.  Especially when you
don't have all the money you'd like. This file is of course not for
the professional "carder",but for the beginner who does not know how
to obtain or use a credit card to hishher advantage.

	 Now you get a history lesson, as usual in my files...When
MasterCharge first came out with the Credit Card, there were three
secrets that they had. And, as usual, people (phreaks!) found out
about them. These are the Account Number, the Signature Panel, and
the Magnetic Strip.

	 Most of the codes for things have anywhere from 4-10 digits,
making quite a few million possible combina- tions of numbers.
Credit cards have 16-20 digits. They aren't needed, but they make it
hard to hack a code that works. MasterCharge and Visa both have about
70 million card holders, each with a unique number.Eight digits would
give you 100 million combinations, more than enough for all the card
holders. 9 digits gives us one billion different numbers, and 13 is
10 TRILLION numbers. You can figure out the rest. Visa has about 13
digits in its code, but out of 10 trillion numbers, only 65 million
are working accounts. That may sound like a lot, but it isn't.

	 Then, there is MasterCharge. Of the quintillions of possible
accounts, only 11 million work. The fake accounts are used, among
other things, to hold up on TV for advertisements.  Guessing account
numbers is obviously not practical.

	 So,the first thing you have to do is obtain a card # from
somewhere.  The best way is to go to your local supermarket or any
store that uses credit cards.  Then, you watch them take out the
trash.  After they have taken the trash out then you go over when the
coast is clear and search through their trash.  I know that it can
get messy, but don't complain, just think of the nice things that you
will be able to get out of it in the future. You are looking for
carbons that they run the cards through.  Then, you take those home
and write down the name, card number, and the expiration date and the
type of card that it is (Mastercharge, Visa, American Express, etc.)
You make sure that you have cards with a good date on it.  Next comes
the good part, the ordering.  All you do when ordering is that you
call up a mail order and then you tell them what you want and your
card number, and then they'll ask for the place to send it to.  Here
comes the hardest part. Here are some of your options of places to
send it:

 1)To a vacant house, apartment.

 2)To a friend that will deny it ever arrived when they inquire about
it.

 3)To someone's house that you don't know.
 
	Let's examine these options in detail:
 
1)Sending to a vacant house or apartment. This is done by giving the
address of the vacant house or apartment.  Then, when it arrives, the
deliveryman leaves it on the front porch or bushes. Then you just go
by the house and pick it up.  You must take into account the
possibility that someone may move into the house or apartment before
it gets delivered.
 
2)Sending to a friend and having him deny that it arrived.  You tell
your friend to pick up the packages when they arive at his/her house
and then give them to you. Then, when the fuzz comes along to grab
the guy who it got sent to, your friend (and parents who never saw
him get it) will deny it. The fuzz won't mess with them any more!
 
3)Ok, you find some nice older people that don't know you and that
you don't live too closely to.  Then, you order the stuff you want
and send it to that house.  You call the people and make up a sad
story about how the company got the wrong address and they already
sent it. Ask to pick it up when it arrives, making sure not to give
them your real name, address, phone number, etc...
 
	The next way of obtaining a credit card is to get it from an
elite board. This is not the best way, since this way the card is
usually overdrawn by the time you get it, not to menvion that not
many boards would touch credit cards with a ten-foot pole because
they are so dangerous to mess with...

	Another way to card is to use the TRW credit information system.
This is only if you have a good password,if you don't or don't have a
file explaining it, don't call it.  They DO trace. A TRW number is
(619)-741-6016.

	The most fun way to get a card num- ber is to simply ask the
person. All you need to know is their bank.Simply call up on the
fone, and whip into a quick masquerade of a bank official:

  Victim:Hello?

  You:This is First National Security and Trust Loan Bank. We are
calling to notify you that your Visa credit limit has been raised to
one thousand dollars.

  Victim:But...but...My limit used to be 100,000 dollars! There must
be some mistake!

  You:No, I'm afraid not. Unless...  there could have been a mistake
in the computer...do you have your card handy? I'll run a check on
the number.

  Victim <worried>:I'll go get it!
 
And, you get the number. Phun, huh?

Have fun, but BE CAREFUL. If you get caught, forget where you read
this.
 
        1) Mentioned previously was the method of getting carbons
from your local store which accepts credit cards.

	Well, it has come to my attention that now in some stores if not
all is that when they rip the carbons from the machine that it rips
the carbon off so that the whole card is not visible on the carbon.
I have not run into any of those businesses that do do that but I
have been told from a reliable source that this does happen at some
places.
 
        2) The Mail Box...As you know (or should know) that people
recieve there new cards in the mail.  If you happen to have a route
on the way home from schoolwwork where someone is gone during the day
and doesn't get home until after you do every day.Simply check their
mail box every day on the way home.  This will work far better if
your mail box is right next to the guy's your going to get it from.
When it arrives, simply take it,write your signature for that person
on the back...and go for it.  You now have  Credit Card !  Now comes
the fun part...the buying.  Unless you don't live in a big city I
suggest that you go out of town to a place that you have never been
to and don't plan on going to again for quite a while.  This will not
work if you don't look at least 18.  I cannot remember who brought
this up...but someone suggested that it is a good idea to get a joke
going with the clerk taking your card...if you notice a drastic
change in their aptitude when they get the info on the card you
better get the hell out of there quick.  Just to be safe I suggest
that you get some kind of fake I.D. to display when using your
card...sometimes they will ask for it and sometimes they will not.
Make sure you do it all in a period of a couple of days...and don't
stay in the town or at least not on the same side of the town for
more than one or two days.  Make sure to act real casual when doing
this....if you are really jumpy you might as well pull a gun on them
and tell them to fill up the bag with money...because you are as good
as caught anyways.  When doing this you must take into account the
possibity that they will find out what you are doing.  If you think
that they are not buying your story it is time to make up a reason to
leave for a second (ie.I have to go to the bathroom) and then get out
of there!
 
        3) Here is another way of getting yourself some cool stuff.
A friend of mine has used this method and says that it is real good.
It is particularly good for those of you who do not look old enough
to have a credit card... but want to go get something on an in-person
type thing this one may be for you if you have the guts. Call up a
store out of town unless you live in a real big city.  Tell them that
you are really busy and that you would like to order something and
tell them that he would like his sonddaughter to pick it up.  Then
ask.. Could I give you my credit card information and have it ready
for my son to pick it up(you must have the card to give to the guy to
put through the machine). If they say yes...just give them the
info...then just drive over and pick it up. You can make up your own
origanal story on who is picking up or why.  This isa very good
method.
 
        4) Taking a Vacation.  This is a REAL good thing...especially
for this summer.  Here is a way to do it.  Make a reservation with
the airline and destination of your choice. There are two different
choices you can make at this point.
 
            1. Pay for it over the phone with your credit card..the
best way is through a travel agency.  Then you will get your
ticket...pay at the last minute to the travel agency so they don't
have time to find out that it is an illegal purchase.  They will give
you your ticket and go for it!  Use a different name and different
airline and different card on the way back.
 
            2. Is to make your reservation ahead of time without
paying in advance.  Then...when you arrive you pay for the ticket.
This requires the use of a method so as you get the actual card and
make yourself some kind of I.D. such as buy(or card) an
identification maker.  Or get false I.D. other ways(there is a file
on getting false I.D. on some boards) and then display the card and
I.D. and pay for your card there...  that way you can make sure that
they don't have time to find out that it is hot.  Then enjoy your
trip.
 
    Ok, this is an actual example of a carding venture performed by
someone who I will not reveal his name.
 
  First, he went down to Travel Concepts,the local Travel Agency in a
shopping mall in my town.  You will find that for the easiest place
to obtain a carbon from a place which doesn't have much other
garbage.  (ex:Travel Agency, Hallmark store, Record Shop...).  I
don't suggest that you go to Thriftway or Safeway because they have a
ton of other garbage, such as rotten fruit and other such unpleasant
things.  Use common sense when picking a place.  Then he went to the
back of the store and casually looked for their garbage can.  Then,
either before or after hours he went for it. Then he grabbed all he
could find and took off back to his place.  He then started reading
the info off the card and putting it on paper so it was easier to
read.  He then searched through and found one that looked good, then
called information and got his address and phone number, assuming
that the holder of the card lived in the town from which he got the
card from.  Next, he placed the order with Northeastern Software.
This is all of what they asked for, and his replies:
 
    CA= Carder Talking 
    NS= Northeastern Software talking
 
NS: Northeastern Software, may I help you?  
CA: Yes, I would like to order your Novation Apple-Cat modem and an
Apple Imagewriter.  
NS: O.K....How are you billing?  
CA: Credit card.  
NS: What Kind?  
CA: VISA.  
NS: May I have your name, expiration date and card number please?
CA: Name, xxxxxxx, xxx-xxx-xxxx 
NS: One moment....Ok.  What is your address?  
CA: xxxx Anywhere Anyplace, xx, xxxxx But could you have it sent to
my work address?  
NS: Yes, what is that address?  
CA: xxxx Dropzone St.  Near-Your-Place, xx  xxxxx 
NS: Thank you for using Northeastern 
CS: When will that arrive?  
NS: Oh...7 Days.  
CS: Ok, thanks, bye.  
NS: Bye.
 
	He first gave them the card holder's address, then put in his
drop zone for "Work Address."  Also, sometimes most places will ask
for other info like phone number, driver's license, Social Security
number, etc.  If you have this info, give it, if not, DO NOT HANG
UP!!!  If you just hang up they might get slightly suspisious and
report the attempt to the Card Co. who may inform the card holder, or
change the numbers.  If you don't have any piece of info they ask
for, say "I don't have my SS card handy, I'll have to call back," or
make up your own believable story.
 
Phone Sex Services.
 
    So you want to use a card to call a phone sex place do you...
well, you have probably heard everything about all of their questions
and methods of checking on those non-call back ones.

	But, how about a way to do one on a call back.  Here is one of
the better ways.  Loops!  As soon as you have placed your order to a
phone sex place, give them a number to call, and have them call one
end of the loop, while you are waiting on the other number and bingo,
you are on, here is an actual experience that a friend of mine tried
using my idea:
 
He dialed it up.
 
OP=Operator speaking
CD=Carder speaking
 
OP-Do you have a Visa or Mastercharge
CD-Yes I have a Visa
OP-What is your name as it appears on the card
CD-John Doe
OP-Wxat is your Card number and Expiration date?
CD-0000-0000-0000-0000 Exp 10886
OP-And the bank that issued the card?
CD-Citibank
OP-What is your Address and Phone number
CD-0000 Nowhere Dr. Anywhere, AA 00000. 1-000-000-0000
OP-Are you calling from this phone number?
CD-No, I am calling from out of my state.
OP-Are you at a residence or  Motel Office
CD-A residence
OP-And what is that number?
CD-Then you enter the loop line number( the one without the tone)
OP-Ok, we will have Traci call you back in about 5 mins.
 
	Then, you call the loop line number (with the 1000hz tone) and
wait to be connected.  Make sure that the info is correct or else
kiss the Loop goodbye. This does work if you do it right.
 
A Word of Warning
 
    Unfortunately carding is illegal, and you can be arrested for
credit card fraud.  Recently there have been a number of carders
arrested for credit card fraud all around the nation, and a few good
elite boards have gone down because of arrests.  So be careful..
Here are a few tips on how not to get caught.
 
    When sending a package to a vacant house, always walk by it first
and check to see if anyone is watching it.  Then, if you think that
the coast is clear then go in...if anyone is watching (like the
police or FBI) then by all means DON'T RUN!  This is a mistake that a
few have made.  Just casually walk on down the street, and never go
by there again.
 
---Using your family's own card---
 
    Yes, this is rather new...as in I thought it out last night.
That, why don't you just use your own family's card.  This is far the
safest method I can think of...other than using a friends.
Comprehend this...insurance pays for it!  So, you can charge massive
things to your bill, and then simply say, hey, we didn't order
this..when using your parents...make sure that you don't order
something like a stack ampfifier or a new Apple when living at home
because if your parents hae an I.Q. of over 5.5 then the should be
able to figure things out, other than that, it is great.  I have not
tried this method as of yet.

  It's pretty cool.  When using this method you are all ready for
anything that they might ask...like driver's license, social
security, address, etc. without having to research your victim.
 
    Not Carding...
 
	This is not carding....but put in here for the hell of it!  Let
your mind think about this for a while.  This is not a valid idea in
areas where U.P.S. doesn't leave stuff on doorsteps or somewhere
without signatures.  This is pretty elementary...yet no one has
mentioned it to me.  Simply, if you are sending a package to your
home (via U.P.S.), and paying for it (i know that is rare), but
anyway... simply, while no one is around...take the package, and tell
U.P.S. that you never got it, this takes a bit of convincing.  Then,
you will just get another one.  So, in a case for instance, with
ordering a 10 meg hard drive, simply when it comes, take it in, and
say that you never got it, then they will mail you another one.  And
BBOOOOMM!  you have 20megs instead of 10megs..or sell one of th
10megs and get your money out of it, and you get a 10meg hard drive
for free!
 
    Well, enough for now... if this goes as well as the first one,
there will be more.  Oh yes, must have a stupid disclaimer.  I hereby
take no responsibility for the use of this information, this was
presented in a non-bias format and is simply a documentary of
information..this file does not condone the use of CC's or the
cheating of the Credit system, merely to inform individuals, such as
Newsweek and Time write files on Cocaine and Murder, but they do not
condone the uses of them, or to my knowledgu (who knows) practice
them.

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