************************************************************************** * Credit Cards for fun and profit! * * 8/2/84 for Southern New York * ***** ********************************************************************* The f ollowing is presented merely for your entertainment, and is NOT in any way int ended for illegal use. References are used from "Credit Card Fraud" by the Ice Man. As the Ice Man said, " The stakes are high, but 'The end justifies the means'". This is merely an alo boration of his Five-Step method of credit card fraud. Step one: Gettin g the numbers. When a credit card is used in a store, copies must be made o f the information contained on the card. These copies are usually made using carbon paper, which is thrown out after use. Some customers even go as far as having the carbons ripped up, but these are easily pieced back together. Carb ons can be found in the trash of almost every major department store in your area. Be careful with the carbons because they easily wrinkle and become unreadable. The best stores to check a re; 1) Department stores 2) Drug stores 3) Clothing stores Unfortunately, because of fraud, the NEW credit slips are CARBONLESS, whi ch means you must get your numbers by different means. Another way to get numb ers is to look someone's name and address up in the phone book, call them, and in a VERYconvincing voice say, "Hello. This is John Doe from the VISA credit-card fraud investigating office. A fraudulent charge was made with your name and address, and we need to check your card number to be sure no one has used it illegally. Do you own a VISA c ard?" If the answer is yes, then say, "Well, can you read me your number and e xpiration date so that I can check it to make sure it's safe?" If the person i s REAL STUPID, you'll have a name, number, and date in no time. Make sure you have it right, and tell them y ou'll check it and call them back. (Don't!) Step two: Recognizing cards f rom copies. Card examples: [American Express] XXXX XXXXXX XXXXX MM/Y1 thru MM/Y2 JOE SHMOE Explanation: MM/Y1 is the date the card was issue d, and MM/Y2 is the expiration date. The American Express Gold card has number s XXXXXX XXXXXXXX XXXXXXXX and the company will back this card up for $5000.00 even if the guy is broke. [Mastercard] 5XXX XXXX XXXX XXXX XXXX AAA DD -MM-YY MM/YY JOESHMOE Exp lanation: XXXX in the second row may be asked for when ordering stuff. The fir st date is when the card was new, the second when it expires. The most frequen t number combination used is 5424 1800 XXXX XXXX. There are many of these ca rds in circulation, but many are on the wanted lists, so check these first. [Visa] 4XXX XXX(X) XXX(X) XXX(X) MM/YY MM/YY*VISA JOESHMOE Expl anation: Visa is the most abundant card around, and is excepted almost everywh ere. The *VISA is sometimes re placed with BWG, or followed with a special code. These codes are as follows; 1) MM/YY*VISA V -"Prefered card" 2) MM/YY*VISA CV -"Classic card" 3) MM/YY*VISA PV -"Premier card" "Prefered" cards are backed with more money and are mush safer to use. "Classic" cards are newer, harder to reproduce cards, w ith some good backing. "Premier" cards are "Classic" with "Prefered" coverage. Common numbers are 4448 020 XXX XXX, 4254 5123 6000 XXXX, and 4254 5123 850 0 XXXX. Any 4712 1250 XXXX XXXX cards are IBM credit union cards, and are risky to use in southern New York, a lthough they are usually covered for large purchases. Step three: Testi ng credit. Next you need to check if a card is stolen, or has enough credit left. There are phone numbers that stores call to check cards. Most have thes e numbers and their MERCHANT NUMBER somewhere around the phone or where they stamp the slips. It's easy to either find these and copy them, or to wait unt il they call one in. Watch what they dial and listen for the eight (usually) digit MERCHANT NUMBER. Once you c all the number, in a calm voice, read off the ACCOUNT NUMBER, MERCHANT NUMBER, AMOUNT, and EXPIRATION DATE. They will tell you if it's okay, and will give y ou an authorization number. Pretend you're writing this number down, and repea t it back to them to check it. Ignore the number completely, because it serves no real purpose. Once you do this, however, the bank removes dollars equal to the amount you told them, bec ause the card was supposedly used to buy stuff. Sometimes you can trick the op erator by telling her the customer changed his mind and decided not to charge it. Of course, some won't allow this. Remember at all times that you are suppo sed to be a store clerk calling to check out the card for a purchase. Act like you are talking with a customer when he/she "CANCELS". Step four: The drop. Once the cards are cleared, you must find a place to have the package sent. NEVER use a drop more t han once. The following are typical drops; 1) An empty house makes an excell ent place to send things. Send the package UPS and leave a note on the door sa ying, "UPS. I work days, 8 to 6. Could you please leave the package on the bac k door step?" You can find dozens of houses from a real estate agent by tellin g them you want to look. Just ask for a list of twenty houses for sale and tel l them you'll check out the area. Do so, until you find one that suits your ne eds. 2) Rent-a-spot. U-HAUL r ents spaces where you can have packages sent and signed for. End your space wh en the package arrives. 3) People's homes. Find someone you don't know, and h ave it sent there. Call ahead saying that "I called the store and they sent th e package to the wrong address. It was already sent, but can you keep it there for me? Thank you." Then pick it up later. Ice Man says this is also reliable . 4) Anything similar to post office boxes should also work. Make sure that the box cannot be traced back t o you. Step five: Using the cards. The best things to order from are magazines, or catalogs. Order at the beginning of the month. Billing is done at the end of the month, and this gives you more time to be cautious. Try to c all late in the day or at night, or on weekends, when people are tired and car eless. Memorize the number, and date, and learn how to SPELLTHE NAME. Don't tr y to sound old or mature, because this usually doesn't work. Think positive, a nd if you run into a snag, say something like "Gee! My mom left me the card number to use to buy this stuff. She forgot to leave (whatever is wrong or missing). I'll call her and ask her what it is." Don't call back for a few days, and do it at a different time wi th a different card. This works well when you screw up. Have the package sent UPS overnight air, because yo are not paying for anything. Sound positive, and have all your information ready. The Ice Man also advises not to post numbers , due to the trouble you can get the SYSOP into, and the stupidity of most of the people on boards. Insura nce companies (those blood suckers) pick up the tab on all goods bought with f raudulent credit numbers. Always remember to be CAREFUL and REASONABLE when us ing card numbers. The Lunatic Phringe BBS 312-965-3677 300/1200/Baud