Obtaining a credit card number: There are many ways to obtain the information 
needed to card something. The most important things needed are the card number 
and the expiration date. Having the card-holders name doesn't hurt, but it is 
not essential. The absolute best way to obtain all the information needed is by 
trashing. The way this is done is simple. You walk around your area or any other 
area and find a store, mall, supermarket, etc., that throws their garbage 
outside on the sidewalk or dumpster. Rip the bag open and see if you can find 
any carbons at all. If you find little shreds of credit card carbons, then it is 
most likely not worth your time to tape together. Find a store that does not rip 
their carbons at all or only in half. 

Another way is to bullshit the 
number out of someone. That is call them up and say "Hello, this is Visa 
security and we have a report that your card was stolen." They will deny it and 
you will try to get it out of them from that point on. You could say, "It wasn't 
stolen? Well what is the expiration date and maybe we can fix the problem.... 


Ok and what is the number on your card?......Thank you very much and 
have a nice day." Or think of something to that degree. Another way to get card 
numbers is through systems such as TRW and CBI, this is the hard way, and 
probably not worth the trouble, unless you are an expert on the system. Using 
credit card numbers posted on BBS's is risky. The only advantage is that there 
is a good chance that other people will use it, thus decreasing the chances of 
being the sole-offender. The last method of getting numbers is very good also. 
In most video rental stores, they take down your credit card number when you 
join to back-up your rentals. So if you could manage to steal the list or make a 
copy of it, then you are set for a LONG time. 

Choosing a victim: Once 
you have the card number, it is time to make the order. The type of places that 
are easiest to victimize are small businesses that do mail order or even local 
stores that deliver. If you have an ad for a place with something you want and 
the order number is NOT a 1-800 number then chances are better that you will 
succeed. 

Ordering: When you call the place up to make the order, you 
must have several things readily at hand. 

These are the things you will 
need: A name, telephone number, business phone, card number (4 digit bank code 
if the card is MasterCard), expiration date, and a complete shipping and billing 
address. 

I will talk about all of these in detail. A personal tip: When 
I call to make an order, it usually goes much smoother if the person you are 
talking to is a woman. In many cases they are more gullible than men. 


The name: You could use the name on the card or the name of the person 
who you are going to send the merchandise to. Or you could use the name on the 
card and have it shipped to the person who lives at the drop (Say it is a gift 
or something). 

The name is really not that important because when the 
company verifies the card, the persons name is never mentioned, EXCEPT when you 
have a Preffered Visa card. Then the name is mentioned. You can tell if you have 
a Preffered Visa card by the PV to the right of the expiration date on the 
carbon. Nophone all day long waiting for the company to call (Which they will), 
then the phone number to give them as your home-phone could be one of the 
following: A number that is ALWAYS busy, a number that ALWAYS rings, a payphone 
number, low end of a loop (and you will wait on the other end), or a popular 
BBS. 

NEVER give them your home phone because they will find out as soon 
as the investigation starts who the phone belongs to. The best thing would be to 
have a payphone call forward your house (via Cosm The business number: When 
asked for, repeat the number you used for your home phone. 

Card number: 
The cards you will use will be Visa, Mastercard, and American Express. The best 
is by far Visa. It is the most straight-forward. Mastercard is pretty cool 
except for the bank code. 

When they ask for the bank code, they 
sometimes also ask for the bank that issued it. When they ask that just say the 
biggest bank you know of in your area. Try to avoid American Express. They tend 
to lead full scale investigations. Unfortunately, American Express is the most 
popular card out. When telling the person who is taking your call the card 
number, say it slow, clear, and with confidence. e.g. CC# is 
5217-1234-5678-9012. Pause after each set of four so you don't have to repeat 
it. 

Expiration date: The date must be at LEAST in that month. It is best 
to with more than three months to go. 

The address: More commonly 
referred to as the 'drop'. Well the drop can range from an abandoned building to 
your next door neighbors apartment. If you plan to send it to an apartment 
building then be sure NOT to include an apartment number. This will confuse UPS 
or postage men a little and they will leave the package in the lobby. 


Here is a list of various drops: The house next door whose family is on 
vacation, the apartment that was just moved out of, the old church that will be 
knocked down in six months, your friends house who has absolutely nothing to do 
with the type of merchandise you will buy and who will also not crack under heat 
from feds, etc.. 

There are also services that hold merchandise for you, 
but personally I would not trust them. And forget about P.O. Boxes because you 
need ID to get one and most places don't ship to them anyway. Other aspects of 
carding:Verifying cards, seeing if they were reported stolen. 

Verifying 
cards: Stores need to verify credit cards when someone purchases something with 
one. They call up a service that checks to see if the customer has the money in 
the bank. 

The merchant identifies himself with a merchant number. The 
service then holds the money that the merchant verified on reserve. When the 
merchant sends in the credit card form, the service sends the merchant the 
money. The service holds the money for three days and if no form appears then it 
is put back into the bank. The point is that if you want to verify something 
then you should verify it for a little amount and odds are that there will be 
more in the bank. 

The good thing about verification is that if the card 
doesn't exist or if it is stolen then the service will tell you. To verify 
MasterCard and Visa try this number. It is voice:1-800-327-1111 merchant code is 
596719. 

Stolen cards: Mastercard and Visa come out with a small catalog 
every week where they publish EVERY stolen or fraudulantly used card. I get this 
every week by trashing the same place on the same day. If you ever find it 
trashing then try to get it every week. 

Identifying cards: Visa card 
numbers begin with a 4 and have either 13 or 16 digits. MasterCard card numbers 
begin with a 5 and have 16 digits. American Express begins with a 3 and has 15 
digits. They all have the formats of the following: 

3xxx-xxxxxx-xxxxx   American Express
4xxx-xxx-xxx-xxx    Visa
4xxx-xxxx-xxxx-xxxx Visa
5xxx-xxxx-xxxx-xxxx MasterCard

Gold cards: A gold card simply means that credit is good for $5000. Without a gold card, credit would be normally $2000.
To recognize a gold card on a carbon there are several techniques:
American Express-none.
Visa-PV instead of CV.
Note-When verifying a PV Visa, you have to have the real name of the cardholder.
Mastercard-An asterix can signify a gold card, but this changes depending when the card was issued.
I am going to type out a dialog between a carder and the phone operator to help you get the idea.

Operator: "Over-priced Computer Goods, may I help you?"

Carder:   "Hi, I would like to place an order please."
Operator: "Sure, what would you like to order?"
Carder:   "400 generic disks and a double density drive."
Operator: "Ok, is there anything else?"
Carder:   "No thank you, that's all for today."
Operator: "Ok, how would you like to pay for this?  MasterCard or Visa?"
Carder:   "Visa."
Operator: "And your name is?"
Carder:   "Lenny Lipshitz." (Name on card)
Operator: "And your Visa card number is?"
Carder:   "4240-419-001-340" (Invalid card)
Operator: "Expiration date?"
Carder:   "06-92."
Operator: "And where would you like the package shipped to?"
Carder:   "6732 Goatsgate Port.  Paris,texas,010166."
Operator: "And what is your home telephone number?"
Carder:   "212-724-9970" (This number is actually always busy)
Operator: "I will also need your business phone number in case we have
to reach you."
Carder:   "You can reach me at the same number. 212-724-9970"
Operator: "O.K. Thank you very much and have nice day."
Carder:   "Excuse me, when will the package arrive?"
Operator: "In six to seven days UPS."
Carder:   "Thanks alot, and have a pleasant day."

Now you wait 6-7 days when the package will arrive to the address which is really a house up for sale. There will be a note on the door saying, "Hello UPS, please leave all packages for Lenny Lipshitz in the lobby or porch. Thanks alot, Lenny Lipshitz" (Make the signature half-way convincing)

------------------Jolly Roger

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