Credit Card Fraud: For most of you out there, money is hard to come by. Until now: With th
Credit Card Fraud:
For most of you out there, money is hard to come by. Until now:
With the recent advent of plastic money (credit cards), it is
easy to use someone else's credit card to order the items you have
always desired in life. The stakes are high, but the payoff is
Step One: Getting the credit card information
First off, you must obtain the crucial item: someone's credit
card number. The best way to get credit card numbers is to take
the blue carbons used in a credit card transaction at your local
department store. These can usually be found in the garbage can
next to the register, or for the more daring, in the garbage
dumpster behind the store. But, due to the large amount of credit
card fraud, many stores have opted to use a carbonless transaction
sheet, making things much more difficult. This is where your
phone comes in handy.
First, look up someone in the phone book, and obtain as much
information as possible about them. Then, during business hours,
call in a very convincing voice - "Hello, this is John Doe from
the Visa Credit Card Fraud Investigations Department. We have
been informed that your credit card may have been used for
fraudulent purposes, so will you please read off the numbers
appearing on your Visa card for verification." Of course, use
your imagination! Believe it or not, many people will fall for
this ploy and give out their credit information.
Now, assuming that you have your victim's credit card number, you
should be able to decipher the information given.
Step Two: Recognizing information from carbon copies
XXXX XXXXXX XXXXX
MM/Y1 THRU MM/Y2
XXXX XXXXXX XXXXX
MM/Y1 THRU MM/Y2
MM/Y1 is the date the card was issued, and MM/Y2 is the
expiration date. The American Express Gold Card has numbers
XXXXXX XXXXXXXX XXXXXXXX, and is covered for up to $5000.00,
even if the card holder is broke.
5XXX XXXX XXXX XXXX
XXXX AAA DD-MM-YY MM/YY
XXXX in the second row may be asked for during the ordering
process. The first date is when the card was new, and the
second is when the card expires. The most frequent number
combination used is 5424 1800 XXXX XXXX. There are many of
these cards in circulation, but many of these are on wanted
lists, so check these first.
4XXX XXX(X) XXX(X) XXX(X)
Visa is the most abundant card, and is accepted almost
everywhere. The "*VISA" is sometimes replaced with "BWG", or
followed with a special code. These codes are as follows:
 MM/YY*VISA V - Preferred Card
 MM/YY*VISA CV - Classic Card
 MM/YY*VISA PV - Premier Card
Preferred Cards are backed with money, and are much safer to
use. Classic Cards are newer, harder to reproduce cards with
decent backing. Premier Cards are Classic Cards with Preferred
coverage. Common numbers are 4448 020 XXX XXX, 4254 5123 6000
XXXX, and 4254 5123 8500 XXXX. Any 4712 1250 XXXX XXXX cards
are IBM Credit Union cards, and are risky to use, although
they are usually covered for large purchases.
Step Three: Testing credit
You should now have a Visa, Mastercard, or American Express
credit card number, with the victim's address, zip code, and phone
number. By the way, if you have problems getting the address,
most phone companies offer the Address Tracking Service, which is
a special number you call that will give you an address from a
phone number, at a nominal charge. Now you need to check the
balance of credit on the credit card (to make sure you don't run
out of money), and you must also make sure that the card isn't
stolen. To do this you must obtain a phone number that
businesses use to check out credit cards during purchases. If you
go to a department store, watch the cashier when someone makes a
credit card purchase. He/she will usually call a phone number,
give the credit information, and then give what is called a
"Merchant Number". These numbers are usually written down on or
around the register. It is easy to either find these numbers and
copy them, or to wait until they call one in. Watch what they
dial and wait for the 8 digit (usually) merchant number. Once you
call the number, in a calm voice, read off the account number,
merchant number, amount, and expiration date. The credit bureau
will tell you if it is ok, and will give you an authorization
number. Pretend you are writing this number down, and repeat it
back to them to check it. Ignore this number completely, for it
serves no real purpose. However, once you do this, the bank
removes dollars equal to what you told them, because the card was
supposedly used to make a purchase. Sometimes you can trick the
operator by telling her the customer changed his mind and decided
not to charge it. Of course, some will not allow this. Remember
at all times that you are supposed 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 than once. The following are
typical drop sites:
 An empty house
An empty house makes an excellent place to send things. Send the
package UPS, and leave a note on the door saying, "UPS. I work
days, 8 to 6. Could you please leave the package on the back door
step?" You can find dozens of houses from a real estate agent by
telling them you want to look around for a house. Ask for a list
of twenty houses for sale, and tell them you will check out the
area. Do so, until you find one that suits your needs.
 Rent A Spot
U-Haul sometimes rents spaces where you can have packages sent and
signed for. End your space when the package arrives.
 People's houses
Find someone you do not know, and have the package sent there.
Call ahead saying that "I called the store and they sent the
package to the wrong address. It was already sent, but can you
keep it there for me?" This is a very reliable way if you keep
calm when talking to the people.
Do NOT try post office boxes. Most of the time, UPS will not
deliver to a post office box, and many people have been caught in
the past attempting to use a post office box. Also, when you have
determined a drop site, keep an eye on it for suspicious
characters and cars that have not been there before.
Step Five: Making the transaction
You should now have a reliable credit card number with all the
necessary billing information, and a good drop site.
The best place to order from is catalogues, and mail order houses.
It is in your best interest to place the phone call from a pay
phone, especially if it is a 1-800 number. Now, when you call,
don't try to disguise your voice, thinking you will trick the
salesperson into believing you are an adult. These folks are
trained to detect this, so your best bet is to order in your own
voice. They will ask for the following: name, name as it appears
on card, phone number, billing address, expiration date, method of
shipping, and product. Ask if they offer UPS Red shipping (next
day arrival), because it gives them less time to research an
order. If you are using American Express, you might have a bit of
a problem shipping to an address other than the billing address.
Also, if the salesperson starts to ask questions, do NOT hang up.
Simply talk your way out of the situation, so you won't encourage
investigation on the order.
If everything goes right, you should have the product, free of
charge. Insurance picks up the tab, and no one is any wiser. Be
careful, and try not to order anything over $500. In some states,
UPS requires a signature for anything over $200, not to mention
that anything over $200 is defined as grand theft, as well as
credit fraud. Get caught doing this, and you will bite it for a
couple of years. Good luck!
First compiled in JRII..
E-Mail Fredric L. Rice / The Skeptic Tank