Instore Carding Tutorial [Everything you wanted to know about instore carding]
Instore Carding Tutorial
Introduction:
So you’re interested in trying out in-store carding? Instore carding is one of the
fastest ways to get money. But you will need to keep your head on
straight for this. As you should with every operation you go out to do. This tutorial
will tell you the ins and outs of in-store carding. Feel free to
distribute this as much as you want.
For the beginners:
You’re obviously reading this because you either A. Want to learn how to instore cards
or B. Want to see if you can find anything you are not aware of.
For people who chose A. You should have at least some prior knowledge of credit cards
before you try instoring. If you do not that is ok too, just keep
about instore carding is how you *Take the part* of the identity
you’re *Playing* as. If you’re going into a store looking to come out with $3-5k worth
of electronics dressed in your normal apparel and being nervous,
buy these items any day of the week. The first time you’re going
to be nervous course, it’s natural to be nervous the first few times. But with time
and past experiences to look back on, it just gets easier as you go
on.
Dressing the part: to make it look like you can buy these items along with acting
at any of the clothing stores listed below and buy a decent amount
of quality clothes. I cannot stress enough how quality plays a part in dressing up.
Buying a sweater in Walmart and a sweater in banana republic could
determine the difference between getting out with your goods or running out of the
store. Along with clothing, you might want to buy some jewelry or a very
high-priced watch. If a cashier suspects something is up, seeing some classy jewelry
or a watch could also help reduce the suspicion.
Clothing stores are usually never uptight with purchases of clothing so that is why I
suggest going there first to get some quality clothes. You can be
dressed as you want in there and it won’t matter. When you buy the new clothes, put
them on in a restroom and then continue your activities on a higher-priced basis.
Acting the part:
This area will come hard for some but easier for others. Prepare yourself before you
go in with things you might say. If you’re going into a store to
buy smaller items ($800 and below), this is usually not hard to accomplish. But for
larger items, you should act as if you can afford these items at any
the part is the other area that helps you present yourself as a
person of wealth.
Beginning:
Before you go out there and start in the store you will need the following items.
Card reader/writer – You’re going to have to (in most cases) need a card reader/writer
to write new dumps on your cards. Especially if you want to re encode
your cards and go out. The only case where you would not need this is if you were
buying plastic from a vendor who offers to encode the dumps for you. For
a reader/writer I highly recommend the MSR-206. It is the most popular encoder out
there. You can buy them from
Price: $200 $640
Computer/Laptop (Preferred) – To be able to encode your dumps (later on) you will
first need a computer to hook your card encoder up to. Using a desktop
is fine but if you come into any problems with your dumps which is going to happen,
you will have no way to re-encode your plastic. You will have to drive
home and re-encode there. But if you have a laptop, you can bring your MSR with you
and just hook it up and re-encode while you’re in your car. Doing this
will save you gas, and time. Price: $600 to $2400
Power Inverter – This is a very handy tool that you’re going to need for this and you
will probably find yourself using it for all other types of things. The
MSR requires a power source so buy or card one of these. If your laptop battery gets
low as well which will sometimes happen just hook it up as well. I
found a very good one at BestBuy for $80. It covers up to 800 watts (400 watts each
plug). Price: $80
Plastic – I have seen all sorts of ways to obtain plastic. From stealing others and
using those to buying them from a vendor. You DO NOT want to steal
anyone’s credit cards and start using those. And you do not want to re-encode your own
credit cards. I’m sure it makes sense to do so but over time if you
start using your own credit card, the credit card companies are going to see the name
being used and will surely contact you about these occurrences. The
best bet is to buy plastic from a vendor. Think about this too. When buying plastic,
get at least 2 cards with the same name as your novelty. It will save
Dumps – The most important item of this whole operation. What would you do without
dumps? That thats what. Now depending on what you’re
planning on getting out for your first op will determine how much you will need to
spend on dumps. I would not worry about spending for now. As soon
as your op is over you will see that you have well made your money back from this.
is not a bad idea. But the truth is that it is probably one of the
biggest problems that could arise if anything was to happen. Keeping your false
information and your real information separate is a necessity. If you have
any sort of personal contact information on you when carding I would suggest dropping
it off in your car.
Optional Items
Fake ID – HIGHLY RECOMMENDED but is not always needed. Most of the time for large
purchases cashiers will ask for an identification that matches the
plastic. There are numerous vendors out there who provide a novelty service that will
fit your needs. Getting a state that is semi-close to you is ideal
in this situation.
Anonymous Phone – This is optional to have, I have used dumps from the seller that checks
the dumps before sending so that all are valid. His dumps work 8/10 times on average.
So if one card does not work I simply hand them another card with an excuse as to why
that card was not working. If you’re
going through any other vendor you should buy a Tracfone and find a phone merchant
that will verify your dumps before you go
into a store. When using a phone merchant there are two ways of authorizing a card.
Some people think that charging a $1 or $1.50 on the card will not
kill the card as many businesses use a $1 or $1.50 charge as a pre-authorization to
check and see if the card is valid. Others prefer charging a random
higher amount to make it look like a legit purchase. Either way, it’s up to you who
would want to check it.
Serial to USB Converter – Smaller laptops may not come with a serial port to connect
your encoder to. If this is the case you will need to buy one of
these. Price: $15-$25
Newskin Bandaid Liquid – You might be asking yourself “What would I do with this?”.
Well, if you really want to be protective you can put some newskin
on your fingertips so no traces of fingerprints will appear on the plastic if any
misfortune was to happen.
Planning:
saves you time thinking of what you need or might need.
Also, think about this. If your main goal is to get a hefty sum of money, you should
check out eBay to see what sells for a high percentage. Usually, gift
cards to popular stores get high amounts back because they are just like cash. But
just double-check eBay.
need to make a list because you should already know what you want
to get. Or you can look around in the store and choose what you want.
Taking care of business:
Beforehand I always like going to the bathroom. It makes the carding situation a bit
easier if you get nervous. JediMasterC brought this on as well.
if you do get caught odds are you won’t if you follow these
instructions.
Destination Safety:
Choosing a location to instore is not very hard. The internet has a vast amount of
websites that have store locators. To find your subject mall or store
and do a search to see what’s around you. Here is a very important rule to follow by.
Do not do anything where you live. Or in a more common way of putting
it. Don’t shit where you live. Find a store that’s at least a good half-hour drive away
from you and is at least two cities over.
Some people choose to use fake license plates when entering your destination for
carding just to add that extra level of security in case a camera
more safely on. Just don’t speed away or anything that could get you
pulled over.
Parking – When parking your car, make sure you park for out so no camera will catch
your license plate. It will be worth the extra walk when you’re walking
out with your merchandise.
Ready:
So now you have everything you need to get started. You’re prepared for the best and
the worst situations to come.
The first time you go out you should expect some nervousness to come even before
entering one of the stores listed below. The most important thing to do
is to stay calm and act natural. The more suspicious you act, the more the cashier is
going to suspect something is up. I do not recommend taking any drug
or alcohol to calm yourself down. You need to look calm and natural while being alert
to your atmosphere at the same time.
anatomy of a dump:
There is a more detailed version of this on CP. But for now, you will only need to
know this information to start.
B41111111111111111111^LASTNAME/FIRSTNAME^060910100 000000000000000000
41111111111111111111=0609101000000000000000000000
B – Identifies to the POS system that your card is a bank card
4111111111111111 – Credit Card Number
Lastname – Lastname of cardholder
/ – Separator
Firstname – Firstname of cardholder
06 – Experation Year
09 – Experation Month
101 & Beyond – Bank data
Now some vendors will only sell the second track. So that leaves you with trying to
figure out how to write track1. Most stores do not check track1 so it
is not the most important thing. But to be safe I always include track1. Here is an
example of what you will need to do. It is very easy.
4111111111111111=060910100000000000000
If you haven’t noticed, track2 in most cases is just like track1. To begin making
track1, add a B that will indicate its a Bank card.
B4111111111111111=060910100000000000000
Then, you’re going to want to change the = to a
^lastname/firstname^.
B4111111111111111^LASTNAME/FIRSTNAME^0609101000000 00000000
And finally, you’re going to add six zeros at the end of the dump.
B4111111111111111^LASTNAME/FIRSTNAME^0609101000000 00000000000000
Types of dumps:
use generated dumps. Most of the time they will only work correctly
with a certain Bin. And there is a 15% less success rate than using other types of
dumps. You might as well use quality dumps in the locations you choose
so people will not remember you instead of having errors come up and your face gets
noticed more easily.
The best quality dump you will probably find are skimmed dumps. Skimmed dumps mean
that the actual card was swiped onto a portable Mag Stripe reader.
Therefore, using these you know you will have all of the correct information for
track1 and track2.
Hacked dumps are usually taken from databases by you guessed it, hackers. The quality
on these are the normal qualities that are out there.
Dump types and limits:
I will only discuss so far visa, discover dump limits, and a word on amex dumps as I
have not encountered any use with MasterCard dumps.
Visa Classic – These types of dumps are usually the cheapest to buy from a vendor. I
have heard that on average you can get $500 on these types of dumps.
But I have been pulled at least $800 on them. Visa classics have a balance limit of
$500 to $3,500. Although the most I have been able to get off of a
single classic is $2,600 before an error occurs.
the cardholder gains good credit. With these, you can make higher
amounts of purchases.
you can pull off anywhere from $3,000 to $6,000.
these have the highest limits available. People have been said to have
gotten anywhere from $5,000 to $20,000 off of these types of dumps.
get anywhere from $1,000 to $5,000 on these in one purchase. Using
these dumps for multiple purchases will most likely kill the dump before you get past
either of those limits. Almost all discover cards begin with a
balance of $10,000.
Amex – I have not used these dumps. The reason to that is that you need the correct
CVN to complete the transaction. It is not embossed but printed onto
the plastic. So you cannot re-encode Amex dumps. If the CVN is not correct when
entered, you will automatically get a call for authorization.
How long dumps last:
This question no one can answer. You might be able to make a good prediction of how
long they will last if you think of time and the dump type. For
instance. If you have a classic dump, its 11:30 AM and you make a variety of small
(Under $20) purchases. Odds are you’re going to get that card to last a
lot longer than a classic dump that’s doing $300 purchases at 7:30 PM. Think of the
cardholder’s work hours. They will usually be 9 AM to 5 PM. That is when
their card is idle so to speak.
Advanced dump purchasing:
By now, if you have been reading about dumps. You might know that by purchasing dumps
from banks that are closer to your area, there is a higher
success rate on most purchases. Only some vendors will offer to let you buy by a
certain Bin (first six digits of the cc). The Bin determines what bank
corresponds with the card. To find local Bins, go to
http://www.hermesbank.net/interchange/ and search for any bank that has a lot of
locations in your
area. You can also search for the state name and see what that comes up with.
Choosing your cashier:
This is probably one of the more fun things to do while in storing. Usually, 90% of the
time, Minorities and Younger Girls make the best choice for cashing
out. Minorities include Blacks, Mexicans, and Asians if you were wonderings. The
reason you want to choose these types for your cashiers are that they
are usually the easiest to manipulate. In some cases, you are going to have to use a
normal person to cash out. But try not to make it a habit.
Interactions with the cashier:
how to interact with the cashier. To in a sense manipulate them.
When you bring your stuff up to the cashier act normal. If it is a large amount they
might say something nice to you mentioning the amount of merchandise
you are buying. Just play with it and make them feel good as well. If you make the
cashier not feel comfortable they will think something is up if any error
happens. Which will sometimes if you are planning on doing a lot of instore.
Errors and Excuses:
As I was saying above, there are going to be errors now and then. Now most are very
easy to talk your way out of. But in some cases, you’re going to need
to know when you try and grab your novelty and card and just run. That will most
likely not happen if you’re only doing this a few times but for people
I have listed below a few common errors and how to handle them.
Optional Pre-Excuse – JediMasterC brought this excuse method to a lot of people’s
attention and it is a very good idea in most cases. Making the cashier
already think that the transaction will not go through so they are not surprised by
the error, which makes handling the situation much easier. Saying
something as easy as *I hope I have enough to cover this* or anything around those
terms is good.
Declined – Once you spend and spend on a good dump there has to be an ending point.
Usually with dumps that will not die this is the final step to
don’t that’s fine too.
If you do not have another card – I will be right back. I’m going to go get my check
book / go to the ATM.
Call For Authorization – This one can be tricky if you do not have the right cashier.
This is something you DO NOT want the cashier to do. A call for
authorization is basically the store calling the bank or the store’s authorization
center in order to confirm that it is the actual cardholder making the
purchase. If this happens just stay calm.
If you have another card – I don’t have that much time, I’ll call the bank later. Try
my other card.
If you do not have another card – I don’t have that much time for this I’ll call my
bank and come back tomorrow.
If they persist in making the call, put your hand out as if they were going to give
you your plastic back. Doing this tends to put some stress on the
back of your hands.
Do Not Honor – This will happen every now and then and is probably the easiest to
overcome. The cashiers will sometimes just ask you if you have another
card.
Those are the most common problems you are going to find. Of course, there are more
error codes. There are about 50 of them. But by the time you manage
to talk yourself out of these, you will have enough experience to talk yourself out of
the rest.
Selling your items:
is on eBay. I am not going to go into a large description because
then this tutorial would change to how to sell your items or scam on eBay. You can
either buy an account from a vendor or get a B&M bank account and
the past and even if a good amount hasn’t been caught, you do not
want to be that small percent that does.
Storing your money:
money in your legit bank account. If you were thinking that,
you should take a minute and think again. You could store your money on an electronic
bank account service such as gold, or WebMoney. Or if you want
more control over your money, you could keep it all in a well-hidden safe. Using an
electronic bank account instead has a higher security rate. As if
anything was to happen to you involving LE, odds are they will not find your
information for that account. This means they would not have access to your
funds because they would not know it exists.
End Notes:
also hope that everyone who is inspired by this replies with any
words or questions they would like to say. Good luck to all of you!
====
Stores:
Stores that do not type last 4:
7-11
Abercrombie & Fitch
Aeropostale
Almost every clothing store*
Albertsons
American Eagle
Amoura
Apple Store
Babbages
Barnes and Noble
Bath and Body Works
Body Shop
Bed Bath and Beyond
Bartel
Big 5
Blockbuster
Bose Factory Store/Showroom
Borders
Burlington Coat Factory
Cost Plus
Eddie Bauer
Every gas station (pay at pump)* Excluding Shell
Filenes
Foot Locker
Fred Meyer
FYE* (Some type last 4)
Gap
Garts Sports
Godiva Chocolates
Grocery Stores
Home Depot (self swipe)
JCPenny
Journeys* (Some types last 4)
Kauffman’s
KB Toys
Kens Camera
Kmart (self swipe)
Lowe’s (self swipe)
Linens and Things
Office Depot
Old Navy
Pier One Imports
Rite Aid
Safeway
SamGoody
Schucks
Sears
Spencer Gifts
Sports Authority
Staples* (Some type last 4, some dont)
Starbucks
Target (self swipe, sometimes check sig)
Timberland
Tower Records
Toy Works
Toys R Us
UPS Store
Victoria Secret
Walden Books
Walmart (self swipe but most check sig)
====
====
Restaurants:
Applebee’s
Bertuccis
Chilis
Olive Garden
Pizza Hut
Papa Ginos
Unos
Wendys
*Almost all major restaraunts.
===
===
Stores that type last 4:
BestBuy
BurBerry
Circuit City (Uses AVS Aswell)
Cell Phone Services
CompUSA
Guitar Center
Hot Topic
Lindt Chocolates
Mens Warehouse
OfficeMax (Types In CVV on back of card)
SunGlasses Hut
Torrid
Tweeter
===
===
Merchant Codes:
00 Approved
01 Refer to Card Issuer
02 Refer to Card Issuer, special condition
03 Invalid Merchant
04 Pick up card
05 Do not honor
06 Error
07 Pick up card, special condition
08 Honor with identification
09 Request in progress
10 Approval for partial amount
11 Approved VIP
12 Invalid Transaction
13 Invalid Amount
14 Invalid card number
19 Re-enter transaction
21 No action taken
30 Format Error
41 Lost card Pick up
43 Stolen card Pick up
51 Not sufficient funds
52 No checking account
53 No savings account
54 Expired card
55 Pin incorrect
57 Transaction not allowed for cardholder
58 Transaction not allowed for merchant
61 Exceeds withdrawal amount limit
62 Restricted card
63 Security violation
65 Activity count limit exceeded
75 Pin tries exceeded
76 Unable to locate previous
77 Inconsistent with original
78 No account
80 Invalid transaction date
81 Cryptographic PIN error
84 Pre-authorization time to great
86 Cannot verify PIN
89 MAC error
91 Issuer unavailable
92 Invalid receiving institution id
93 Transaction violates law
94 Duplicate transaction
96 System malfunction[/B]
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