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                 xXx cDc xXx DEMON ROACH UNDERGROUND xXx cDc xXx


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^__                         __] Masters Of The Inner Posse: Overdose
^  ___[___  [___\             ]                             The Grim Reaper
^     [^ ]_ [ \_   \\ \\ \\   ] Writers: Black Wizzard
^     [^\]\ [_ \_\_\ _\ ^\\   ] PoSSe HQ: Tgr 2600 313.645.3660 NUP: [SLAYER]
^     [^ ]\ [  _\_\\_\\_^\\   ] The PoSSe: Dedicated to Bringing You The
^\\                         \\]            Best...
DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
                                                     The PoSSe Text File #1
                                                        05/04/91
                                                         
                         The Art of Carding
                            DM 0verdose 

     
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               Table of Contents
     
     Disclaimer
     Preface
     I. Introduction  
     II. Getting Cards
     III. Setting Up A Drop Site
     IV. Ordering
     V. Delivery
     VI. Pick-Up
     VII. Aftermath
     VIII. Live with Parents?
     IX. What to Card?
     X. Fucked Up?
     XI. Miscellaneous Notes
     XII. BBS's to call
     
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               DISCLAIMER - Read This First!!!

     This file is Strictly for informational purposes only.  The writer of
this text file and group affiliated with him are not responsible for the actions
of the reader dealing with this subject.  This file was written with the intent
of giving the reader knowledge of Computer related crimes.  Neither the author
nor the BBS's that carry this file are responsible for any consequences of the
readers' actions.  By reading this file, you take responsibility for your own
action.  I do not endorse the using of this information in any illegal manner.  

     Now that this shit's out of the way, we can get down to the nitty gritty
of carding!  
     
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               PREFACE
     
     I have read many text files on the carding and I have found that none of
them really capture the full essence of the carding chain.  I found that the
majority of textfiles contain most of the same info in different words.  I have 
put my personal methods and experimenting in here along with the traditional
things.  I hope that this file helps you *LEARN* about carding. 
   
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
     
                    I.  Introduction
     
     I'll skip all the bullshit and get to the facts...  Credit Card fraud is
simply using someone else's credit card to buy shit for yourself.  Enough
said!!
     There are many ways to use a cc such as ordering by mail, getting cash
from Western Union, Order and go pick it up, etc.  The possibilities are
endless.  This file concentrates on the mail order aspect of carding. 

     Before you start you should consider the risks:  Contrary to popular
belief cc fraud is relatively safe.  I'm sure you've never heard  anywhere in 
the  media that a person was caught and sent to jail because there aren't many. 
But for everyone that's caught, there are twenty people who get away with
it.  They don't publicize it because everyone would do it.  Now consider the
possibilities that there are...  Just about anything that you could want
you can get illegally.

     And for all you dudes that are scared of the *FEDS*, realize this:  Feds
have other more important things to do than waste their time trying to bust
a guy that's carding a watch a house that is targeted as a dropsite when
there are real criminals out there!
     
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
     
                    II.  Getting Card
     
     There are a couple of good ways to get cards...
     
1.   Trashing

     Trashing is simply going to a stores trash bins to get Credit card
transaction carbons.  I suggest that you hit the trash after a big holiday like
Christmas or something like that.  You can get enough in one day to last three
months.  This can get messy and I prefer to use other means of attaining card
numbers.
     
2.   Raiding Mailboxes

     The advantage you have with mail boxing is you get the cc bill with the
account number, billing address and credit limit but not the exp. date.  The
expiration date is not necessary, if you don't believe me, substitute 6/92.
Go to a condo complex or the like and walk casually to the doors and
pretend to look for a friends place while opening mailboxes.  Look for
anything with a return address of a bank (ie. Citibank, First National,
Comerica).
     
3.   Inside Link

     If you have a friend that works at a store which accepts credit cards,
ask him to write down the info before they are logged and stored in files. 
Of the three I have found mail boxing is the easiest and most
rewarding.  I have found blank checks, department store card #'s and once I
found an actual card which I put back in to ensure future jackpots.

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                    III.  Setting Up A Drop Site
     
     It is essential that you have a GOOD drop site.  This is the most crucial
point of the carding so choose wisely.  This is the only place you can be
physically caught. There are many good dropsites.
  
     Find a home where the people are out for the week or work all day.  Make
sure they will be out when they "receive" what "they" ordered.  Make sure
you find out the persons name so that the address matches up with the phone
number.

     The best place in my opinion is an apartment complex.  Go to the door
and say your a new tenant in 1D and Dad sent a package to 10D by accident. 
Ask if they could sign for it and you'll come pick it up later.  This also
works very well in old folks homes.

     Another drop site I am experimenting with now is as follows.  Go to a
street that has a vacant home or two on it.  Look around and find out if
some old dorks live on the block.  When you have found a block come back the
following Monday.  Go up to the old ass's door and tell them that you are
moving a week from Friday and you just wanted to get to know the neighbors. 
Be REALLY nice and tell them how you're moving from Germany where you're
dad was stationed.  Finally slip in the deal with the package and it would
be Swell if they would take the package for you.  This never fails, also give 
them a current address (Resident's inn or the whatever) and a bullshit phone 
number.  Tell them to call you when you it comes in.  You already know exactly
when it will come in and wait until it comes and get it 20 minutes later.
     
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                    IV.  Ordering

     When ordering the merchandise, it is important to keep cool.  There are
two kinds of credit checks.  First they will verify the card credit line on
the CBI.  The CBI doesn't have the Exp. date because there are simply too
many cards in the U.S.  The second way they check is either call you at
home (if it's something like a 486 base system). But this costs a lot of
money and they will more likely call the area's information (xxx-555-1212)
and make sure that the name matches the address.

     I have found that if you want computer shit, you should buy a copy of
Byte or the like and look in the classified for small companies without an
800 order number.  These companies won't spend as much money as larger
companies.

     When you call up, ask all sorts of questions about the product like about
the warranty, reliability, compatibility, years before obsolescence, etc.  Like 
you were making a big investment.  Act like you would if you were actually 
spending your own hard earned money.  Ask about all the products' differences 
and finally say something like "I sold on that one..." or some bullshit line 
like that.  Make friends with him/her and talk to him with his first name.  When
you 'decide' what you want, order in one sentence. 

     She'll ask you what the billing address is, mailing address, daytime phone
number, who you want to ship it to, card type, name as it appears on the card,
account number, exp. date.  This is in no particular order.
     
                    Dialogue: Act mature!
     
     Salesperson: Hello, J&R MusicWorld, Jane speaking.
     You: Hello Jane, I would like some information on the Casio
     B.O.S.S. calculator, do you sell that?
     
     Salesperson: Yes we have several models in stock, which one are
     you interested in?
     You: I'm not sure, one of my co-workers has one and I was really
     impressed with it.  He referred me to this company for the lowest
     prices, payment plans, more bullshit...
     
     Salesperson: Models we have ETC.....
     You: Bullshit now in prices, value, etc.
     
     Salesperson: What model are you interested in?
     You: The 666 model... 
     
     Salesperson: How will you be paying for this purchase?
     You: Mastercard, is there any surcharge? 
     
     Salesperson: Not for MC (never for visa or MC), what's your last
     name?
     You: MY name is (card name) address is... cc# is 4000 0000,
     exp. date is 4/99, I want it sent to 666 Mark Twaine Rd. Parts
     unknown, Michigan, 48036, My daytime fone is 313-666-0000, etc
     
     Salesperson: How would you like to get this delivered?
     You: Ups overnight.
     
     Salesperson: Thank you for purchasing from J&R MusicWorld.
     You: Thank you Jane, I'll call you to tell you how I like it.

=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
     
                    V.  Delivery
     
     There seems to be some misconceptions about Federal Express and UPS
delivery.  I will clear up the facts regarding these companies.

     Federal Express offers overnight and economy delivery service.  Both
services require signatures accepting the delivery.  The delivery men will
leave packages on the porch if there is a note with a signature on it to
accept it.

     United Parcel Service on the other hand requires a signature only for
overnight delivery, not for 2nd day delivery.  This is always my choice and
if possible, I will avoid Fed Ex only companies such as Hard Disks
International ( I tried to get a 100 megger from those bastards).  For
overnight just leave note saying that you have to work today.  Another
thing that you have to consider is:  if the delivery man thinks that it is
unsafe to leave the package, he won't because UPS would be responsible. 
Again, just leave a note.

     The overnight deliveries are guaranteed there by 10:00.  The Economy 
Service can be delivered any time in the business day (9-5).  On saturdays UPS 
now delivers for more money.  This will ensure that the regular delivery boy 
will not deliver and a sub will do the route in his place.  If you have an empty
house you can remove the for sale sign and get it delivered there.

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                    VI.  Pick-up
     
     Dress normally, the chances are greater that someone will notice you 
and remember your looks if you are wearing a sombrero and sun glasses.  It 
wouldn't be a bad idea to wear something that identifies you as a member of a
group like Boy Scouts or some shit like that.

     Go to the house early, about and hour in advance.  Watch the deliveryman
drop off the package.  Go to the door about 20 minutes later.  Carry a big
box with a smaller one in it.  Walk up to the house normally.  Pretend to
knock on the door, take the small box your carrying out of the big box and
exchange it with the carded items.  This will deter any nosy bitch neighbors.

     Try not to touch anything unnecessary like the doorknob.  Don't order it
to a place that is not highly visible... The most important thing though is
if you see ANYTHING that's vary suspicious or out of the ordinary, Do NOT
pick it up, wait and if the situation doesn't change leave immediately.

     When I started carding I knew a guy that carried mace or an electric stun 
gun with him (No really, I'm not BSin).  This seems a bit extreme, but if an
asshole wants to take you to the police station, what is better?

=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
     
                    VII.  Aftermath
     
     Lay Low for a while, if you were careful, the chances are that they will
not come to you.  Stash the merchandise at a friends home or in a locker
somewhere for at least a week.  Let the area cool off, the card owner will
not find out until the end of the month when he/she gets the bill.  At
first they will probably think it's a glitch and try to straighten things
out with the company while you are enjoying your new HST.

     It is always better when you sell what you card and buy the shit
legally.  And computer shit is 10 times harder to card so card shit like
two tennis racquets, or a Wizzard, or CD's or blank tapes.
  
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                    VIII.  Live with parents?
     
     If your parents know anything about your system then this poses a 
problem. You can over come this by telling them that a local underground BBS 
that John is on went down and he is selling his HST or whatever for 100 bux and
that you have the money saved up.  You are going to buy it and you want to let 
them know.  This usually works for me.  Or tell them that a friend is going to
Mexico for the summer to visit relatives and since he won't need it he is 
letting you have it for a while.  Or tell them that a SysOp of a PD board is the
owner of a computer store and he is having a toilet bowl (bullshit) sale which
means prices over 60% off!  He'll give you another 20% off!
    
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                    IX.  What to Card?
     
     The hardest thing to card is computer equipment, as a rule, just get
something else.  Your chances are doubled when you card say.. a tape deck. 
I recommend you card something that someone else needs. example... A friend
needs a new racquet but doesn't have much money, Card a couple  $200 dollar 
racquets that your "cousin" wants to sell.  That way the carded shit won't
collect dust, You make a quick $150 for two days.
     
          Things I recommend carding because of their resale value...
               1.  Blank Disk ( lots of 50, get 300)
               2.  Compact Disks ( Top 40 and Classic Rock sell VERY Well)
               3.  Porno Tapes ( Kids love them)
               4.  Sports Clothing ( Pistons Starter Jackets, etc.)
               5.  Stereo Equipment ( Tape Decks, Discmans, Walk mans)
               6.  Sports Equipment ( Tennis Racquets, Shoes)
               7.  Office Supplies ( Telephones, Fax Machines)
     
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                    X.  Fucked Up?
     
     If you get caught (God forbid), just say that you found the card number
in a parking lot at so & so and hate those people.  You had no intention of
keeping the stuff and it was just a cruel, malicious "joke".  This scenario
shouldn't occur if your careful, but if it does, you didn't think that it
would work and they would just be hassled.
     
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                    XI.  Miscellaneous Notes
     
     Computer equipment is the hardest thing to card.  I don't card computer
equipment and have only done it twice successfully because all the computer
geeks that get a hold of a text file will try and get a 200 megger and a HST.  
The majority of carders have nothing to do with computers.  I got started well 
before I got my modem and my first H/P/C/A access level on a BBS.

     Take that into consideration. Never keep card numbers on disk.  That way
If you get caught, they can't confiscate your computer.  Hide them in the
garage or basement.  I tape the info to the back of a poster. 

-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-+-

     I hope this file gives you new insight and sharpens your carding skills.  If
you have any questions, call Tgr 2600 and E-Mail Overdose.
     
     This has been a PoSSe text release.  Look for other great
     PoSSe text releases and information files coming soon.

Thanx to Tgr for getting me to write this file.     The PoSSe   1991
DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
^__                         __] Masters Of The Inner Posse: Overdose
^  ___[___  [___\             ]                             The Grim Reaper
^     [^ ]_ [ \_   \\ \\ \\   ] Writers: Black Wizzard
^     [^\]\ [_ \_\_\ _\ ^\\   ] PoSSe HQ: Tgr 2600 313.645.3660 NUP: [SLAYER]
^     [^ ]\ [  _\_\\_\\_^\\   ] The PoSSe: Dedicated to Bringing You The
^\\                         \\]            Best...
DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
             C) 1991 - The PoSSe.  All Rights Reserved.
 Any alteration of this file is an infringement of international copyright law


[32](>View Files...

[Select File #, or ?]:25

                 xXx cDc xXx DEMON ROACH UNDERGROUND xXx cDc xXx



                        How to Phuck with Radio Shack

                           "A View From The Inside"


NOTE:The information in this phile is for entertainment purposes
ONLY!  The author claims NO responsibility WHATSOEVER for the actions
of the reader.

        OK.....I used to work for Radio Shack as a Sales Associate,
which meant I got paid $4.25 an hour, and I had to kiss a lotta
people's asses to make any commission at all.  After the Christmas
rush, I was transferred to the shittiest store in our sales district.
Which was OK, because my manager was stupider than SHIT!  And I had a
cool co-worker that showed me a few tricks.  Well, I expanded upon
those tricks, and I came up with a few kick-ass ways to get some free
shit!

METHOD 1: The Fake Return
-------------------------
        This is probably the most effective method, but it can also
backfire the worst.  You want to be sure that your manager DOES NOT
count the stock after an item has been returned, like he is supposed
to.  This can get you in a lot of hot water in a hurry. 

        Ok...Your manager is supposed to keep all of the old daily
reports.  Find where he keeps the most current reports, and randomly
pick one day.  Now, look through all of the sales tickets for a
fairly good sized sale (around $35.00 or so).  Some things to look
for when choosing a ticket:

     1: Look for something with more than 1 item on it.
     2: Look for someone that the manager does not know well.

     Next, either send your co-worker on a lunch break, or wait until
he goes to lunch (either way, get him out of the store).  Next, write
up a refund, just as you would for any other customer. When the POS
asks you for the customer's phone number, do 1 of 2 things:

     1: Enter a fake number, using the area code and last four digits
     that are on the ticket.  If you don't, the District Secretary
     OR your store manager could see the mis-match, and your ass  
     will be under investigation!

     2: Enter no number, and say that the customer refused to give   
     you a number.

     Now, after you print the ticket, sign it with your BEST forging
possible (you may want to practices before you do the fake refund),
and put the tickets in the basket, or whatever you keep the reciepts
in.  If you are asked why you did not keep the customer's receipt,
calmly say that "They had other items on that reciept, and wanted to
keep it."

     Timing is very important, too. You don't want to do this right
before the store takes inventory, because the loss will show up.  The
best time is right after or even DURING an inventory period, because
then you can blame it on a computer error (yes, there are a LOT of
things that can go wrong the the Radio Shack P.O.S. system).  

     I did this for a period of 1 month solid, getting about 35.00 a
day (I was the only employee for that period of time).  I quit,
because I thought that I was under investigation, and I had another
job anyway.

     Next time I write a phile, I'll describe how to figure out if
Tandy Security is on to you.


Questor

NOTE: I apologize if this is sloppy by some standards, this is my
first phile.  Any comments can be made to me on the Blitzkrieg BBS.


[31](>View Files...

[Select File #, or ?]:27

                 xXx cDc xXx DEMON ROACH UNDERGROUND xXx cDc xXx


       How To Make Your Own VALID American Express Numbers
                         In One Easy Step

                      Written and Created By:

                         Saturday Knight


     Note: This Text file contains >>>Extremely<<< damaging
material about the American Express account making algorithm.
I do not commit credit card fraud. I just made up this scheme
because I was bored. However, I do possess some morals.  I
called American Express to see if they'd have a reward for
anyone finding a loophole in there system. I was going to
tell them the loophole, get a reward and keep my mouth shut
about what I found. Well American Express didn't seem to
interested in what I discovered. In fact there "Special
Investigation Division" didn't even believe me. Now that really
burns me. In fact that got me really pissed. Since AMEX didn't
seem to interested in this information, I thought that all you
junior credit card frauders would. As for AMEX, they can kiss my
ass.

Sorry about 'Xing' out all the account numbers in this file. But
I just want to keep myself out of legal hassles.

  About the System:
     My system for making cards is the ONLY system that IS
100 PERCENT EFFECTIVE. Out of the 22 cards I made, all
worked. 2 cards did not pass the authorization. This was
because they were reported as lost after the date on my
cancellation bulletin. But the 2 cards would have been good
had they not have been lost.

Materials Needed:
 - American Express "Cancellation Bulletin"
   (You can get these from almost any store. If you're really
    into carding, I suggest even attempting to BUY the book
    from an employee. )

 - Brain (You don't need much of one to follow my system)

About all these other card hacker programs:

               In a nutshell: THEY DON'T WORK!
     If you have one of these programs, throw it away. All
these programs do is spit out a randomly generated number
that doesn't mean shit.

How AMEX makes there cards:
     American Express made a big fuckup in there account
algorithm. Let me demonstrate.

37XX XX XXXX 61006
37XX XX XXXX 01007
37XX XX XXXX 71007
37XX XX XXXX 81000
37XX XX XXXX 81012

     Notice the last FIVE digits in the numbers. You'll
see that the second number is almost always a 1 followed by
two zeros. In other words the number 100 is almost ALWAYS in
the middle of the series of five numbers. But look at the
last number. In the middle you have a 101 and not a 100. Why
is that? Let me tell you why. It's because AMEX made a bad
mistake which I picked up on...

Card A      37XX XX XXXX 81007
                          ^^^
Card B      37XX XX XXXX 81015
                          ^^^
     Notice these two numbers. They are almost identical
except for the last 2 digits. You see AMEX can't have two
identical card numbers can they? Of course not because then
who would they bill? What AMEX did instead was this...

37XX XX XXXX 81015
                ^
They changed the damn zero to a 1 and made a new check digit
for the end!! If you don't know what a check digit is. Get
Dr. Cyclops file on the "Mod 10" method of check digits. If
you can't get a hold of the file you can still make a valid
card number. Here's what you do...

Look in your cancellation book for a number similar to the
one above. Make sure that within the last 5 digits the number
101 is in the middle. Now do this....

Before - 37XX XX XXXX 81015

After  - 37XX XX XXXX 81005
                         ^
Change the 1 to a 0. Now to the number on the end add 2.

37XX XX XXXX 8100(5+2)  = 37XX XX XXXX 81007


Now you have a valid card number:  37XX XX XXXX 81007

You'll notice that the card number just made matches the
Card A listed above. That is because those two cards were
cancelled together. Therefore in the cancellation bulletin
you'll want to look for a card number in the format:

    XXXX XX XXXX X101X

Then you'll want to make sure that there is not an identical
card with the number:

    XXXX XX XXXX X100X

Right above or below it.  You see AMEX would not have made
the card number XXXX XX XXXX X101X unless there was already a
duplicate card number in existence! That alone makes my
system 100 percent effective. There is no way that the card
can't exist because it's XXXX XX XXXX X101X counterpart
WOULDN'T, COULDN'T, AND WON'T exist without a
XXXX XX XXXX X100X number being right next to it in there
account system!

Once Again:
   In short do the following:

X- Number
C- Check Digit

1) Find a card number in the following format:

   XXXX XX XXXX X101C

2) Change the 101 to a 100 :

   XXXX XX XXXX X100C

3) Add TWO to the CHECK DIGIT IN THE CARD:

   XXXX XX XXXX X100(C+2)

4) Call for authorization.

It's that easy! If you can add you can do it. Just make sure
the number 101 is in the middle of the series of 5 and you
can do this trick.

But suppose the last 5 digits in the card number are the
following:

XXXX XX XXXX 81019

If you add 2 to the check digit 9 you get 11! No problem. Just
drop the 1 in the tens place so you get this:

XXXX XX XXXX 81001

Now you have a valid number.

Remember this is 100 percent effective! No one else can say that
about there system. No one. So get a cancellation book and make
up a whole list of cards. It takes about 10 seconds to make a
card with my system so enjoy!

Final note here. Yes there are other ways to "Play the numbers"
with AMEX. So go see if you can find them like I did!

As for American Express. If there security agents are reading
this, let me offer a cheap solution...

1) GET RID OF THOSE USELESS CANCELLATION BULLETINS!!
   No one fucking uses them! (Except people like me!)

2) REQUIRE that a valid expiration date be given with each
   authorization. That way you can keep your damn bulletins.
   You see my system just makes the account number. I can't make
   the expiration date!

3) When someone calls one of your operators for a validation be
   sure that your operators handle the situation like this ...

Operator - "Account number please"

Frauder - "37XX XX XXXX XXXXX"

Operator - "Expiration Date"

Frauder - "Ahhh... 10/90"

Operator - "I'm sorry that account is invalid"

NOTICE that the operator did not say that the DATE was invalid.
NOR did s/he say that the CARD NUMBER was invalid. S/he should
not make a distinction to the person trying to get authorization.
That way you always keep the frauder guessing...

Frauder "Gee I wonder whether the expiration date is bad. Or is
it the account number? Or is it both?"

You see that is a great and cheap defense. Too bad AMEX is too
damn ignorant to see it.


                     This file was written by
                         Saturday Knight
                    For the Enjoyment of All.
                             12-27-89

                       In Association With
                           Damage Inc.

     Special thanks to: Ponce DeLeon - for his lasting moral
                                       support and con-artist
                                       manipulation of others.
                     Toxic Offspring - For showing me the right
                                       way to make smoke bombs.

       Remember: I'm only the gun salesman, not the person
                 pulling the trigger.


[31](>