Description
2020 Swiping Lessons
By: matt.
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Online Carding In this tutorial, I’m going to break up carding up into a few different chapters. Make sure you are ready to pay attention and take mental notes. Table of Contents!! (make sure you read the important parts, if not all)
Chapter 1 -- Intro 1.1 What is carding and how does it work? (important) 1.2 What are bins? (important) 1.3 What should I expect? (should read) 1.4 What is a drop and how should I use one? (important) 1.5 What is VBV and MCSC? (semi-important, depending on what you are carding) 1.6 Should I use my day-to-day cellular device? Alternatives?
Chapter 2 -- Carding Essentials 2.1 What are you required to have before carding? (important) 2.2 What is a fraud score? (pretty important) 2.3 What is an ATO and how do I perform it? (like VBV and MCSC- semi-important - depending on what you are carding) 2.4 How do I protect myself? (CRUCIAL!!!)(Socks5 and VPN)
Chapter 1: Intro 1.1 What is Carding? Simply put, carding is the ordering of online goods and products using stolen credit cards, commonly referred to as “CVV”. If you’re planning to card, you’ll have to know how much of and what you want to card. Carding has different levels of difficulty (see 2.1 for more information). Higher end security is provided to higher quality and higher priced products, and vice versa. 1.2 You may have heard of the common term “bin”, which stands for Bank Identification Number. The BIN is the first six digits of the card which identifies the card’s issuing bank as well as the type of the card you’re getting access to. You can use websites to do research on BINS, learn what type of card it is, and the bank issuing the card. The card types that BINS represent are: Visa, for example, which is very similar to Mastercard. Visa Secured - Limits around $300 Visa Classic - Limits around $1,000 Visa Gold - Limits around $3,000 Visa Platinum - Limits around $8,000 Visa Business - Limits around $15,000 Visa Signature - Limits around $20,000 - $30,000 If you were able to get your hands on one of these types of cards, don’t get too excited. It’s a common misconception that as soon as you get a card, you can just charge over $3,000 on a well-known and highly secure domain such as Bestbuy or Newegg. Although, those card limits can change depending on the cardholder’s credit score, spending habits, etc. (see 2.2 for more information). This may seem like common sense, but some people, surprisingly, aren’t aware of this. Also, make sure you are buying a credit card and not a debit card.
1.4 A drop is a place or a location where you send/ship items you have carded. The drop address that you have chosen shouldn’t be linked to you in any sort of way. It’s ok though! Finding a drop isn’t too hard. You can go on Craigslist and find some houses up for rent or drive around nearby towns to look for a vacant house. Do not pick a house with big windows with obvious hints showing that the house is vacant. This is only going to prompt the package delivery man to take your package right back into their truck and zoom away. Try to find a decent house that you think is worth shipping the package to. If the package doesn't require a signature, this makes your end of the job, receiving the package, a whole lot easier than it can already be if you take the right steps. I recommend that you tape a note to the door telling the package delivery man to leave the package at the front door as you are currently on vacation. Also, tape a printed confirmation page of the order that has the tracking number on it along with the note to reinforce your claim that “you are on vacation at the moment”. If the package so happens to be in need of a signature, you‘re going to have to meet the driver face to face. Remember, the driver’s job isn’t to investigate because they feel suspicious. They’re just trying to get along with their day, so relax. Carry a printout of the order confirmation and the tracking number on your smartphone. Look like you’ve been waiting for them. Take down any “for sale” or “for rent” signs that may be lurking around the property. Most importantly, call the bank’s automated system prior to showing up to double check that the card is still valid and that the feds aren’t waiting a couple houses away to put you into a pair of cuffs. 1.5 VBV (Verified by Visa) and MCSC (MasterCard Secure Code) are both forms to be filled out during checkout to offer protection. It is presented by the issuing bank and asks for additional questions for security purposes.
1.6 Using your personal cell phone or device may not be the best idea for carding. Some use a burner phone, an inexpensive phone that is usually untraceable, others use their own devices. Me? I use a virtual box. It’s basically like running a computer inside a computer. Search it up!
Chapter 2: Carding Essentials 2.1 I know that you want to get started on carding as soon as you possibly can and get your hands on that new pair of shoes or whatever you’re interested in purchasing, but there are a few things that are necessary to take into consideration before you start. Depending on the products and items that you are carding, different security precautions are taken by the merchant, aka the company that’s selling the product. As far as I know, there is no such thing as an uncardable website. If you follow the steps you need to take correctly, everything should go as smoothly as planned. Carding products, such as small items around the $125-$350 range, will require the following from you: - The credit card number, expiration date, the CVV code, the cardholders name and billing address, and the billing phone number. Carding items above the $125-$350 range will consist of: - The credit card number, expiration date, the CVV code, the cardholder's name and billing address, the billing phone number, the SSN (Social Security Number), and the DOB (Date of Birth). Please realize that this level of carding is highly unrecommended for carders who have just started. These are larger items for high-security websites. Although, some methods will require this level of carding. For this level of carding, ATO is required, which is what I’m about to get into.
2.2 If you’re trying to card big items such as designer clothing or expensive shoes or even computer parts, there are a few steps to take in between. All transactions that are ever made will get a fraud score ranging from 0-999. If the fraud score is over 300, then the transaction will automatically be manually reviewed by an agent. If the score is over 500, the transaction is declined, the card is blocked and the card holder is contacted. Things that will affect the fraud score are: the normal spending patterns of the card holder, how it is different from how you decide to use the card, and the location of the charge/transaction. 2.3 Now, what in the world is ATO, and how is it going to apply to higher-level carding? To prevent any of the factors previously mentioned from taking effect in your purchase, or purchases, you’ll have to perform an ATO, otherwise known as Account Take-Over. An ATO is where you would call the bank to make whatever changes you want to the account without the cardholder’s knowledge. To successfully use an ATO, you will first have to do a background check on the cardholder. The difficulty of an ATO depends on the bank and your confidence. Remember, YOU are the cardholder. You know more about “yourself” more than the agent sitting behind a screen with the given information does. Many carders do not learn most of the information that you yourself are able to learn about, which is why their CCVs get declined and they go and complain to everyone how scamming is a fraud and that it’s a waste of time. Reading this guide will help you hone the ability to be able to keep a card active for up to three months and will get you what you want! If the spending patterns are small amounts and you decide to make a transaction for a large amount of money, flags will be raised! This is how to check the card’s balance and how much you can spend.
1. Use Spooftel to make your number seem as if you are the cardholder and call the bank who is supplying the card. 2. Now, the following banks will ask for this information to grant you access to the card balance. a. Chase - Full Card # and Zip Code (if phone # is correctly spoofed they will only ask for last 4 digits of card) b. Citibank - Full Card #, last 4 digits of SSN c. Bank of America - Full Card #, Zip Code d. Capital One - Full Card #, last 4 digits of SSN If the bank transfers you directly to an agent, that means the account is closed and the card is burnt. Just leave it alone and use another card. After gaining access to the balance, some higher end security sites refuse to ship to addresses that are not on file with the bank. If you are not carding for higher end security sites such as Newegg, Best Buy, or TigerDirect, skip this section. To ATO an account, have the following at hand: - Full Card #, Expiration Date, CVV, Billing Address (with county of state), DOB (write down the age too), SSN, Mother’s Maiden Name (buy a Fullz with it), and do a background report: find the house’s size and value using realestate.com, and car make and model using google maps. Ok, so now you’re ready to call the bank. The bank will ask you three questions out of the following: DOB, SSN, Billing Address, CVV, Billing #, and Mother’s Maiden Name. If you fail a question, another two will be asked to make up the question you got wrong. 1. If you answered the questions correctly, the agent will listen to you and any request you make towards the cardholder's account.
2. If you answered the questions incorrectly, the agent will suspect an ATO and transfer you to the Verid Department, or security basically. They will ask you two OOW (Out of Wallet) questions and there’s a pretty good chance that you’re going to get them wrong. So hang up, forget about the card, and move on. Once gaining access to the account, change the Billing Phone # to your burner’s and do nothing else. Let the card sit for 5 days, then call back, pass verification again and tell them about the transaction you are about to make. Say you are shipping to a sibling or family member who “lives” at your drop address and add your drop as a temporary shipping address. - CHASE Bank Cards are the best to work with temporary shipping addresses. Once you have finished these, you successfully completed an ATO. Now order your product. Also, once you have ATO'd an account, the card is considered to be at its most valuable state. You own the account and you can do whatever you want. 2.4 This might be the most important part or carding. You REALLY don’t want to get caught, unless you do? I don’t really know or judge. The first step for security you’ll have to take is to get a VPN. A VPN is a Virtual Private Network. A VPN can change your I.P. address to another part of the world or country, depending on where you set it. You should always have one on when carding. Now, as said before, institutions look at the location of the purchase to make sure it matches the billing address. In this case, you would use a Socks5 proxy. Socks5 proxy is an address with a port you can connect to if you want to display yourself in the location of the cardholder. There are reliable websites in which you can buy the Socks5 proxies with. If you don’t have the ability to purchase proxies, then you can use free proxies on the web, but this means it’ll become more difficult to get a proxy network in the vicinity of the cardholder’s zip code. But proceed with caution! There is the
possibility that the free Socks5 proxies might also be blacklisted, so make sure that they aren’t blacklisted before putting them to use.
TIPS THAT COME IN HANDY - Before ordering from another website, wait for the first package to ship, then proceed. - Card in the morning! It avoids letting the charge sit for too long. - No method is perfect, cards get declined. - Stay under $2,000 per order. - Always use a VPN. - Don’t forget the Socks5 proxy. - If you don’t feel like doing the work to find the cardholder’s SSN and doing a background report on them, make sure you buy a Fullz off of somebody that is legitimate and you deem as trustworthy.
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