Xpaq> I'm here
[13:17:29] <Michael> ok great.
[13:17:34] <Michael> ==WELCOME TO BANNEDEBOOK'S CARDING UNIVERSITY==
[13:17:41] <Michael> ======DAY 1======
[13:17:46] <Michael> Ok lets start with the introductions first...
[13:17:55] <Michael> Please regard me as your teacher. At times, you might see some things "not useful" to you. But if I teach you something, it is
because these are very very valuable for me.
[13:18:04] <Michael> It's very common that the info I share here may not be seen as something "great" or valuable TODAY, but I promise at some point in the future these will make a big difference in your lives particularly your carding careers. :)
[13:18:26] <Michael> If you have any questions in the middle of class, go ahead and ask away..
[13:18:33] <Xpaq> Okay, i understand
[13:18:34] <Michael> Also, we will have Q & A portion afterwards.
[13:18:42] <Michael> I've spent countless hours looking for the perfect tool to manage the always growing amount of information, that we as carders collect every day.
[13:18:54] <Michael> This tool is called: RightNote. Its the one I had you download.
[13:19:00] <Michael> This is going to be our neurologic center of information and operations. No more scattered .txt files. All information will be collected inside the app. I'll teach you how to improve your organization with this tool. [13:19:12] <Xpaq> Okay
[13:19:26] <Michael> Now I'm going to share you my personal RightNote file that I've been building for months.
[13:19:46] <Michael> https://filetea.me/t1s0EFxXYSJR9xMog0wvbFl9g [13:19:52] <Michael> Download it and oopen it using rightnote
[13:20:01] <Michael> This is only accessible for my students so please don't share it. We also don't want RightNote to get saturated be profiled as a tool for carders so don't share it also... ;)
[13:20:06] <Michael> Open the file and browse it a little, there are tabs and categories.
[13:20:36] <Michael> Youre welcome. Its just one of the many resoruces i will be giving away during the 4 days course.
[13:20:45] <Michael> By the way, filetea.me is a volatile file sharing site, that only will work while the sharer's tab is opened. Its like a p2p direct
upload/download, so once the tab is closed, the file is gone. Maybe you'll find some uses for that.
[13:21:03] <Michael> Ok, so from this new RightNote file... you can start saving the sites you find, user passwords, interesting articles and tutorials and everything related to what is carding knowledge.
[13:21:09] <Michael> Ill wait until you finish downloading... [13:21:58] <Xpaq> Okay, downloading now
[13:24:15] <Xpaq> Download complete and opened
[13:24:30] <Michael> I hope you find it very useful. You will find tons of resources in my RightNote file already organized by categories.
[13:24:36] <Michael> Some few sites might be down, temporary or definitely, but that's just the nature of the underground sites.
[13:24:54] <Michael> Ok, now, I really suggest you to create another file for your carding projects. I call it "The Work" notebook. This is going to be very helpful for the great things we are going to see on Day 2 and Day 3. Basically, on Day 3, I cover a lot of aspects in virtual carding, and for that, we need to be very organized with our information.
[13:24:57] <Michael> Let me show you how my Work file looks like. [13:25:03] <Michael> RightNote Tabs Snapshot:
http://imagizer.imageshack.com/img673/4108/YbvQuz.png
[13:25:18] <Michael> So, one for your favorite sites (The Carder's Notebook), and other specific used for your carding projects information (The Work). don't mix the Carding notebook, with your Work notebook.
[13:25:30] <Michael> Ok, so every tab in RightNote is a main topic or project then you create sub-trees to manage your information and the good part
about this is that RightNote has a portable version and it can work offline and be run from any usb stick without prior installation.
[13:25:36] <Michael> Lastly, take note of these tips to make more of your new RightNote App:
[13:25:45] <Michael> 1. Ctrl+Shift+F11 to take snapshots in custom area, so then you ctrl+v in your notes to save the snapshot to your notes.
[13:25:51] <Michael> 2. No need to have licensed version. Free is enough. [13:26:06] <Michael> 3. Use Global Search feature (F9) to search for any text in all your book. -> In mac if F9 doesn't work, go to menu Tools -> Screen Capture
[13:26:12] <Michael> 4. Use icons on subtrees to make more easy to identify categories. Also, changin colors of tabs is good...
[13:26:27] <Michael> 5. Ctrl+Shift+V paste without format inside RightNote (or just right click and choose 'Paste As Text')
[13:26:33] <Michael> 6. The program will always autosave anything you do on it, so you'll never lose what you made.
[13:26:36] <Michael> finally...
[13:26:48] <Michael> 7. Go to Tools->Options->Startup and check "Allow multiple instances of the application". This to be able to open more than one file at the same time. For example, 'The Carders Notebook' and 'The Work' file.
[13:26:57] <Michael> From now on, you must start thinking in Portable Mode. You know what are Portable software, right?
[13:27:57] <Michael> Every program you use for carding life, try it to be portable, it means that it doesn't depends on the windows installation and all must be saved and run from your hidden volume.
[13:28:00] <Michael> For example...
[13:28:08] <Xpaq> Portable software? can be used on other computers, moved using usb stck?
[13:28:22] <Michael> If you run FireFox portable from your encrypted hidden volume, the history, cache, cookies, etc... will be also saved in the hidden volume and your windows will stay 'clean' of your carding browsing history. [13:28:25] <Michael> Yes correct.
[13:28:31] <Michael> no more installation needed
[13:28:37] <Michael> I recommend people using windows for carding because of two reasons:
[13:28:43] <Michael> 1. Because of the portable apps we will be using. [13:29:10] <Michael> 2. Very important reason - is that you should mix among the more of 80% in the world using windows. What I mean is that we act like the average John Doe. There is no need to reinvent the knot, go against what is mainstream, because it will just get you in trouble and you'll have security on your system.
[13:29:16] <Michael> I'm talking about Windows 7 mainly, for example, what percent of people do you think pays paypal from Whonix?
[13:29:25] <Michael> Better yet, how many people you know...know what Whonix is?
[13:29:34] <Michael> The main thing is to blend in with the crowd so as not to get caught. Also, windows is very easy to setup for any thing we want to achieve.
[13:29:40] <Michael> Got all that buddy??
[13:30:03] <Xpaq> Yes I got all of that, sounds very good
[13:30:25] <Xpaq> I understand your reasoning behind using windows [13:31:01] <Michael> its great that you are picking up fast. :)
[13:31:07] <Michael> I use RightNote everyday, however, I've found that when using a program like excel or any free spreadsheet program, I'm faster managing my list of cvvs.
[13:31:10] <Michael> Let me show you Excel Snapshot: http://imagizer.imageshack.com/img538/857/kdeFJj.png
[13:31:25] <Michael> As you can see, its good to track every state of your orders if you like to buy goods to your drops, or if you want to be organized. Utilize it properly so that you can keep a handle of your success rates.
[13:31:34] <Michael> By the way, let me go off track a bit by telling you that in Day 2 we're talking about my main method of carding high priced goods. So fasten your seatbelts, its gonna be a wild ride!
[13:31:50] <Michael> GOLD TIP: As you now have all your cards very well organized in excel. Few weeks later, you can run the cards on a checker and
recover some used cards that might be still alive.
[13:31:58] <Michael> Sometimes the card holders really pay your purchases, I have found used live cards months later and used them again. I call this: Recycling Resources! Pretty nifty and cheap!
[13:32:07] <Michael> If you're very organized, you can recycle resources very easily. I'll add other examples.
[13:32:29] <Michael> I can even take advantage of my dead cards... how? dead cards have: name, email, bank name, phone... etc... this converts to gold for spammers, right? They love to send customized scam phishing campaigns to collect fullz, passwords or spread virus... :P
[13:32:33] <Xpaq> Yes I understand, very good trick!
[13:32:34] <Michael> Another thing I do with dead or used CCs is to spot for people with high credit scores.
[13:32:54] <Michael> From my bank balanced cards, I save apart in a
rightnote tab. All those people with high debt and high available credit surely must have high credit scores, right?
[13:33:03] <Michael> On average, those people have credit scores of 730+. You can do many things with it, as applying to credit lines at shops for it with fake IDs.
[13:33:06] <Michael> :)
[13:33:18] <Michael> Now let me explain you the whole thing with the high available credit cards I sell at Evo and any high available credit cards you can get in your hands into...
[13:33:21] <Michael> These cards are good cause:
[13:33:33] <Michael> 1. You can make high purchases and hit direct knowing how much approx. can you spend. *BUT having a 10k cc doesn't always mean you can spend 10k. Some cc's have a daily spending limit for security.
[13:33:51] <Michael> 2. If you receive a cc with, let's say, $22k in debt, and 15k in available credit, you have more chances to make low purchases (let's say, $250), and that they mix among legal charges of the card holders... cause he's a real big spender.
[13:33:57] <Michael> 3. As said earlier, is the perfect way to spot for persons with high credit score. Recycling Resources.
[13:34:30] <Xpaq> PreAuth, no I don't
[13:16:16] <Xpaq> I'm here [13:17:29] <Michael> ok great.
[13:17:34] <Michael> ==WELCOME TO BANNEDEBOOK'S CARDING UNIVERSITY==
[13:17:41] <Michael> ======DAY 1======
[13:17:46] <Michael> Ok lets start with the introductions first...
[13:17:55] <Michael> Please regard me as your teacher. At times, you might see some things "not useful" to you. But if I teach you something, it is
because these are very very valuable for me.
[13:18:04] <Michael> It's very common that the info I share here may not be seen as something "great" or valuable TODAY, but I promise at some point in the future these will make a big difference in your lives particularly your carding careers. :)
[13:18:26] <Michael> If you have any questions in the middle of class, go ahead and ask away..
[13:18:33] <Xpaq> Okay, i understand
[13:18:34] <Michael> Also, we will have Q & A portion afterwards.
[13:18:42] <Michael> I've spent countless hours looking for the perfect tool to manage the always growing amount of information, that we as carders collect every day.
[13:18:54] <Michael> This tool is called: RightNote. Its the one I had you download.
[13:19:00] <Michael> This is going to be our neurologic center of information and operations. No more scattered .txt files. All information will be collected inside the app. I'll teach you how to improve your organization with this tool. [13:19:12] <Xpaq> Okay
[13:19:26] <Michael> Now I'm going to share you my personal RightNote file that I've been building for months.
[13:19:52] <Michael> Download it and oopen it using rightnote [13:20:01] <Xpaq> Okay thankyou
[13:20:01] <Michael> This is only accessible for my students so please don't share it. We also don't want RightNote to get saturated be profiled as a tool for carders so don't share it also... ;)
[13:20:06] <Michael> Open the file and browse it a little, there are tabs and categories.
[13:20:36] <Michael> Youre welcome. Its just one of the many resoruces i will be giving away during the 4 days course.
[13:20:45] <Michael> By the way, filetea.me is a volatile file sharing site, that only will work while the sharer's tab is opened. Its like a p2p direct
upload/download, so once the tab is closed, the file is gone. Maybe you'll find some uses for that.
[13:21:03] <Michael> Ok, so from this new RightNote file... you can start saving the sites you find, user passwords, interesting articles and tutorials and everything related to what is carding knowledge.
[13:21:09] <Michael> Ill wait until you finish downloading... [13:21:58] <Xpaq> Okay, downloading now
[13:24:15] <Xpaq> Download complete and opened
[13:24:30] <Michael> I hope you find it very useful. You will find tons of resources in my RightNote file already organized by categories.
[13:24:36] <Michael> Some few sites might be down, temporary or definitely, but that's just the nature of the underground sites.
[13:24:54] <Michael> Ok, now, I really suggest you to create another file for your carding projects. I call it "The Work" notebook. This is going to be very helpful for the great things we are going to see on Day 2 and Day 3. Basically, on Day 3, I cover a lot of aspects in virtual carding, and for that, we need to be very organized with our information.
[13:24:57] <Michael> Let me show you how my Work file looks like. [13:25:03] <Michael> RightNote Tabs Snapshot:
http://imagizer.imageshack.com/img673/4108/YbvQuz.png
[13:25:18] <Michael> So, one for your favorite sites (The Carder's Notebook), and other specific used for your carding projects information (The Work).
don't mix the Carding notebook, with your Work notebook.
[13:25:30] <Michael> Ok, so every tab in RightNote is a main topic or project then you create sub-trees to manage your information and the good part about this is that RightNote has a portable version and it can work offline and be run from any usb stick without prior installation.
[13:25:36] <Michael> Lastly, take note of these tips to make more of your new RightNote App:
[13:25:45] <Michael> 1. Ctrl+Shift+F11 to take snapshots in custom area, so then you ctrl+v in your notes to save the snapshot to your notes.
[13:25:51] <Michael> 2. No need to have licensed version. Free is enough. [13:26:06] <Michael> 3. Use Global Search feature (F9) to search for any text in all your book. -> In mac if F9 doesn't work, go to menu Tools -> Screen Capture
[13:26:12] <Michael> 4. Use icons on subtrees to make more easy to identify categories. Also, changin colors of tabs is good...
[13:26:27] <Michael> 5. Ctrl+Shift+V paste without format inside RightNote (or just right click and choose 'Paste As Text')
[13:26:33] <Michael> 6. The program will always autosave anything you do on it, so you'll never lose what you made.
[13:26:36] <Michael> finally...
[13:26:48] <Michael> 7. Go to Tools->Options->Startup and check "Allow multiple instances of the application". This to be able to open more than one file at the same time. For example, 'The Carders Notebook' and 'The Work' file.
[13:26:57] <Michael> From now on, you must start thinking in Portable Mode. You know what are Portable software, right?
[13:27:57] <Michael> Every program you use for carding life, try it to be portable, it means that it doesn't depends on the windows installation and all must be saved and run from your hidden volume.
[13:28:00] <Michael> For example...
[13:28:08] <Xpaq> Portable software? can be used on other computers, moved using usb stck?
[13:28:22] <Michael> If you run FireFox portable from your encrypted hidden volume, the history, cache, cookies, etc... will be also saved in the hidden
volume and your windows will stay 'clean' of your carding browsing history. [13:28:25] <Michael> Yes correct.
[13:28:31] <Michael> no more installation needed
[13:28:37] <Michael> I recommend people using windows for carding because of two reasons:
[13:28:43] <Michael> 1. Because of the portable apps we will be using. [13:29:10] <Michael> 2. Very important reason - is that you should mix among the more of 80% in the world using windows. What I mean is that we act like the average John Doe. There is no need to reinvent the knot, go against what is mainstream, because it will just get you in trouble and you'll have security on your system.
[13:29:16] <Michael> I'm talking about Windows 7 mainly, for example, what percent of people do you think pays paypal from Whonix?
[13:29:25] <Michael> Better yet, how many people you know...know what Whonix is?
[13:29:34] <Michael> The main thing is to blend in with the crowd so as not to get caught. Also, windows is very easy to setup for any thing we want to achieve.
[13:29:40] <Michael> Got all that buddy??
[13:30:03] <Xpaq> Yes I got all of that, sounds very good
[13:30:25] <Xpaq> I understand your reasoning behind using windows [13:31:01] <Michael> its great that you are picking up fast. :)
[13:31:07] <Michael> I use RightNote everyday, however, I've found that when using a program like excel or any free spreadsheet program, I'm faster managing my list of cvvs.
[13:31:10] <Michael> Let me show you Excel Snapshot: http://imagizer.imageshack.com/img538/857/kdeFJj.png
[13:31:25] <Michael> As you can see, its good to track every state of your orders if you like to buy goods to your drops, or if you want to be organized. Utilize it properly so that you can keep a handle of your success rates.
[13:31:34] <Michael> By the way, let me go off track a bit by telling you that in Day 2 we're talking about my main method of carding high priced goods.
So fasten your seatbelts, its gonna be a wild ride!
[13:31:50] <Michael> GOLD TIP: As you now have all your cards very well organized in excel. Few weeks later, you can run the cards on a checker and recover some used cards that might be still alive.
[13:31:58] <Michael> Sometimes the card holders really pay your purchases, I have found used live cards months later and used them again. I call this: Recycling Resources! Pretty nifty and cheap!
[13:32:07] <Michael> If you're very organized, you can recycle resources very easily. I'll add other examples.
[13:32:29] <Michael> I can even take advantage of my dead cards... how? dead cards have: name, email, bank name, phone... etc... this converts to gold for spammers, right? They love to send customized scam phishing campaigns to collect fullz, passwords or spread virus... :P
[13:32:33] <Xpaq> Yes I understand, very good trick!
[13:32:34] <Michael> Another thing I do with dead or used CCs is to spot for people with high credit scores.
[13:32:54] <Michael> From my bank balanced cards, I save apart in a
rightnote tab. All those people with high debt and high available credit surely must have high credit scores, right?
[13:33:03] <Michael> On average, those people have credit scores of 730+. You can do many things with it, as applying to credit lines at shops for it with fake IDs.
[13:33:06] <Michael> :)
[13:33:18] <Michael> Now let me explain you the whole thing with the high available credit cards I sell at Evo and any high available credit cards you can get in your hands into...
[13:33:21] <Michael> These cards are good cause:
[13:33:33] <Michael> 1. You can make high purchases and hit direct knowing how much approx. can you spend. *BUT having a 10k cc doesn't always mean you can spend 10k. Some cc's have a daily spending limit for security.
[13:33:51] <Michael> 2. If you receive a cc with, let's say, $22k in debt, and 15k in available credit, you have more chances to make low purchases (let's say, $250), and that they mix among legal charges of the card holders... cause he's a real big spender.
[13:33:57] <Michael> 3. As said earlier, is the perfect way to spot for persons with high credit score. Recycling Resources.
[13:34:03] <Michael> Do you know what is a PreAuth charge? [13:34:30] <Xpaq> PreAuth, no I don't
[13:35:34] <Michael> Please do read this PreAuth Lecture after class: http://sebsauvage.net/paste/?
9f9a796735ae3f30#BEztT1u5GknTedii8ny9bi8NCp9rpoPLaYsfl4YmVrg= [13:35:40] <Michael> Basically what a merchant does when running a PreAuth (PreAuthorization) charge, is to :
[13:35:43] <Xpaq> Okay will do
[13:35:43] <Michael> 1. check if cc is live and with correct avs and cvv info. [13:35:48] <Michael> 2. check if there are enough funds on card.
[13:36:00] <Michael> There are different illegal ways to check a cc...I'll show you some online private checkers...
[13:36:03] <Michael> Ucheck https://ucheck.cc/register/ https://ucheck.cc/login/
[13:36:09] <Michael> card-ok.com
[13:36:15] <Michael> You need to add the admin to icq and ask to subscribe ICQ: 565491707
[13:36:24] <Michael> cubi11.com - Vietnam based
[13:36:30] <Michael> Let me show you how Try2Check me looks like http://i.imgur.com/WQVx7T0.png
[13:36:39] <Michael> But you don't always need to check if you really trust your vendor, you usually do this when you start buying in bulk.
[13:36:45] <Michael> You have two types of CC checks: [13:36:48] <Michael> 1. With AVS
[13:36:54] <Michael> 2. Without AVS [13:36:58] <Xpaq> okay understood
[13:37:16] <Michael> AVS stands for Address Verification System. It means the bank checks if the Address number and the Zipcode are correct.
[13:37:22] <Michael> Checking without AVS is mainly used with dumps. Cause the dumps (the data in the magnetic stripe of the cc) used for physical carding, doesn't come with AVS information.
[13:37:35] <Michael> Usually, when we want to use ccs online, we mostly need full avs match, so a checking with AVS is needed. This, cause even if the cc is live, they might have incorrect or outdated avs info... sometimes the card holder moved from address, and things like that...
[13:37:53] <Michael> The NON-AVS cards are from countries with a poorly organized zip code system, so the banks decided not to include this as a security for obvious reasons. It means you can use any billing address, for example, the same as your shipping address, and it will pass the system. Most of Latin America countries are NON-AVS.
[13:38:01] <Michael> I've bought expensive things online with non-avs cards using any billing/shipping address.
[13:38:48] <Xpaq> Okay I understand
[13:38:51] <Michael> BUT the non-avs fraud works only if the shop haven't received too many of these fraud attempts of course... otherwise, is sure they have updated their fraud policy and detection against non-avs bins.
[13:38:54] <Michael> Save this link to read later please: http://en.wikipedia.org/wiki/Address_Verification_System
[13:39:03] <Michael> Now let's talk about how those checkers work internally.
[13:39:10] <Xpaq> okay
[13:39:12] <Michael> They use dozens of hacked merchant accounts around usa or europe, some of them use private merchants not hacked but created by themselves. and when you enter a card to check, they check it in a random geolocation.
[13:39:25] <Michael> When checking in a random merchant, is like if the card holder were using the cc in that location.
[13:39:40] <Michael> So then some banks get alerted about next use on this card, and have the alert turned on for some hours, waiting what's the next move on this card.
[13:39:46] <Michael> Every bank reacts differently to checks... some are very sensitive, others not so much.
[13:39:49] <Michael> For example...
[13:40:22] <Michael> Amex Company is the less sensitive bank. You can check them more than 5 times in a row and the amex will be still up and running.
Its not about being Visa, MasterCard or Amex, is about the bank names. I say AMex, because mainly 80% of amex are controlled by the bank called Amex Company. But the Visas and MC can be from any other bank.
[13:40:34] <Michael> Ok... this is tricky. but for me works wonderful to not to flag ccs even on sensitive banks:
In the checker options, choose to make charge of $0.1 to $1 randomly. [13:40:49] <Michael> I made a lot of trials and errors, until I found that the $0.1 to $1 charge, mostly don't kill the cc. Just don't use the CC right away after the check and wait some hours till next use.
[13:40:56] <Michael> Again, every bank is different and react differently, why should they have the same anti fraud alert policies anyway?
[13:41:07] <Michael> You can decide to only work with some bins. You know what BIN is, right?
[13:41:23] <Xpaq> bank identification number [13:42:12] <Michael> correct. :)
[13:42:21] <Michael> to know more about bins go to http://www.bins.pro and start making custom searches
[13:42:28] <Xpaq> okay
[13:42:35] <Michael> Its nice to know that you pick up so fast. Lessons go smoothly. :)
[13:42:47] <Michael> Another Golden tip: The same bin could have a limit of 2k for one person, and 30k for other. It solely depends on the card holder's credit reputation, not the bin type, although the bin could be a good initial tip to see if the cc could have high available credit.
[13:42:51] <Xpaq> Yes:)
[13:43:00] <Michael> Some card holders have sms alerts and you will get a chargeback soon if he calls the bank immediately.
[13:43:10] <Michael> Also, if you use the cc several times in a short time term, the cc might be flagged and most of the times, only be unflagged via MMN over the phone... or just plain dead.
[13:43:15] <Michael> moving on to the last lesson for day 1... [13:43:24] <Michael> Two types of Fullz
[13:43:27] <Michael> Talking about fullz, there are two kinds: [13:43:33] <Michael> 1. Fullz CVV
[13:43:36] <Michael> 2. Fullz ID
[13:43:42] <Michael> A good example of fullz cvv:
[13:43:45] <Michael> ---CVV_Fullz_Details---Name: Ameeta Nanji
DOB: 29/4/1959
Email: [email protected] Password: bismillah
Address: 245 Main Street, Apt 114, 90291,Los Angeles, CA, United States Card: 4388576062249787
CCV2: 716 Expiry: 09 / 15
Card Issuer: CHASE BANK USA, N.A. (US) Security Question: Mothers Maiden Name Security Answer: Rattansi
Account No: 1311013682 Account Sortcode: 12200049 Mobile Number: 310-922-6755 SSN: 26521014
---Meta Info---Client IP: 76.175.192.236 (United States)
Browser & OS: Mozilla Firefox (mac)
[13:43:51] <Michael> ...and a good example of fullz id:
[13:43:57] <Michael> Alexis | Noel | [email protected] | 1640 SW 71st Avenue | Pembroke Pines | FL | 33023 | 954 663-7411 | 305 585-2933 | 954 663-7411 | 06/06/1963 | FL | 06/06 | AN | 06061963 | first elementary school | Fanny Village Government School |DL: N400201637060 | SSN :226-49-9692 | [13:44:05] <Xpaq> Okay
[13:44:12] <Michael> Fullz CVV are usually for account take over, cause you have first comes with full credit card data and private info of the person and Fullz ID, are mainly used to start opening cashout accounts anywhere
(PayPals, bank Drops, etc)
[13:44:20] <Michael> An exact use of a fullz id, is opening a brand new paypal, for future cashout, cause when this paypal gets limited, you can just create forged scan docs based on real fullz id, and get the account unlimited again. This will get the account stronger. :)
[13:44:40] <Michael> Before we move on to the Q & A portion... heres a few homework...
[13:44:43] <Xpaq> Understood
[13:44:51] <Michael> 1. I recommend you to signup to ucheck and learn the basics of checking when you have the ccs... cause is the only checker with no waiting from the admin and is very good. Later, when you have more budget, you should try to have Try2Check.me
[13:45:00] <Michael> 2. As an additional reading, I really suggest you to start reading http://www.krebsonsecurity.com
[13:45:12] <Michael> Download feedly in your smartphone and subscribe to the blog so you never lose an article. The author is a blogger and researcher that talks mainly of our carding scene. You will learn a lot from his lectures. [13:45:21] <Michael> 3. Download and install firefox portable and
thunderbird portable. We will need these on day 2. [13:45:22] <Xpaq> I read krabs all the time:)
[13:45:24] <Michael> http://portableapps.com/apps/internet/firefox_portable [13:45:31] <Michael>
http://portableapps.com/apps/internet/thunderbird_portable [13:45:34] <Xpaq> Understood
[13:45:45] <Michael> Really? Nice
[13:45:51] <Michael> Its very informative dont you think?
[13:46:03] <Michael> Ok, we have finished Day 1 for now hope you have found it useful. Q & A time!
[13:46:08] <Xpaq> Yes it is very intersting and I learn alot [13:46:29] <Xpaq> Yes this is very, very useful thankyou! Xpaq> on chrome now
[18:50:16] <Michael> ok x
[18:50:28] <Michael> please have your ff portables opened now. [18:50:36] <Michael> ready to start guys?
[18:50:56] <Xpaq> ok I'm ready [18:51:39] <SwitchHair> ready
[18:51:50] <Michael> how bout u sw?
[18:52:04] <Michael> Ok ill call you x and sw for now so that I can answer your questions fast.
[18:52:08] <Michael> ==WELCOME TO BANNEDEBOOK'S CARDING UNIVERSITY==
[18:52:16] <Michael> ======DAY 2======
[18:52:22] <Michael> Ok, for Day 2 we're going to learn how to create and maintain profiles and personas in long term for our carding projects.
[18:52:35] <SwitchHair> ok
[18:52:37] <Michael> Big payment processors see these 'brand new visitors' as possible threats or just something they should pay big attention to. On the contrary, they like or at least trust more the machines that have a long
history with cookies and cache.
[18:52:46] <Michael> So now we're going to learn how to create and
maintain profiles and personas, without the need of cloning virtual machines or similar all from the same Windows install.
[18:52:50] <Michael> For that, we're going to use a FireFox portable. [18:53:01] <Xpaq> ok
[18:53:10] <Michael> We will first be discussing some addons you will need for carding
[18:53:17] <Michael> are you ff portables opened? [18:53:22] <Xpaq> yes
[18:53:28] <Michael> Our first addon is going to be ProfileSwitcher
https://addons.mozilla.org/en-US/firefox/addon/profileswitcher/?src=search [18:53:29] <SwitchHair> yes
[18:53:31] <Michael> download in firefox, install and restart. [18:53:41] <Michael> confirm if you have installed properly. :) [18:54:58] <Xpaq> confirmed
[18:55:10] <SwitchHair> restarting now [18:55:25] <Michael> ok x lets wait for sw [18:55:33] <Xpaq> ok
[18:55:47] <SwitchHair> ok installed [18:55:56] <Michael> Ok, so now do this:
[18:56:07] <Michael> 1. Click on Settings (icon with the three horizontal bars at the right top) and click Customize... and drag the addon icon (the blue person icon) to the standard toolbar. Now that you have installed your firefox addon, you will see the icon there, just drag and drop it to the bar so it
become always visible...
[18:56:10] <Michael> Let me show you how it looks here... http://i58.tinypic.com/2ykxdv9.png
[18:56:25] <Michael> Now, create your first new profile... Click the icon addon and click "Open Profile Manager" in -> Normal Mode. Create and name it in a consecutive way... like 001, 002, etc. You can also add any name annotations you want so as not to get confused with switching different profiles.
[18:56:39] <Michael> Imagine that the main profile, the original... is the 000... this is for general browsing session. Ok, you name it as 001, 002, etc, to make reference in your RightNote file, about which profile or carding project belongs this session.
[18:56:53] <Michael> This will be very useful when you need to age accounts because you won't touch the session until you need to. Remember that when trying out/loading a new profile..everything will be fresh so you need to install addons again for every new profile.
[18:57:08] <Michael> IMPORTANT: WHEN CREATING PROFILE, BE SURE TO SAVE IT IN THE SAME FOLDER AS THE FIREFOX PORTABLE, SO YOU CAN THEN MIGRATE THIS WHOLE FOLDER TO A NEW WINDOWS INSTALL IF NECCESARY. OTHERWISE, IT WILL BE SAVED ON C:/ DRIVE BY DEFAULT.
[18:57:20] <Michael> Ok, now in RightNote, save the essential info like: Profile # - last ip used, fullz id, password used, etc... each profile on different sub trees for organization purposes.
[18:57:32] <Michael> If you age them enough, some securities measures in the sites will be lower. This will make carding easier!
[18:57:41] <Michael> Every time you create a profile, is like a brand new FireFox and the cookies and cache history don't mix up.
[18:58:06] <Michael> Tip: Once you know you won't need a profile anymore, maybe because got blacklisted or something... you can recycle this Profile (cause it takes time reinstalling addons, favorites and all that), to be used in other next profile... recycling a profile just means here that you make a full clean-up of cookies and cache, and maintain the same addons... you just work again over it.
[18:58:11] <Michael> got all that? [18:58:18] <Xpaq> yes
[18:58:52] <Michael> Profile Switcher is one of the most important addons we will be discussing so I need to guide you on it.
[18:59:14] <Michael> as for the others they are very self explanatory.... you can install and test on your free time.
[18:59:22] <Michael> next...
[18:59:26] <Michael> Cookie cleaning can be done easily with this addon: https://addons.mozilla.org/en-US/firefox/addon/clickclean/
[18:59:37] <Michael> This addon is similar to what CCleaner does - wiping all cookies and history with just one click. We use this because CCleaner won't work for our portable firefox. Very self explanatory.
[18:59:47] <Michael> https://addons.mozilla.org/en-US/firefox/addon/betterprivacy/
[18:59:53] <Michael> This will help us to get rid of another type of cookies that can help websites identify us: this is LSO (Local Shared Objects) also known as Flash Cookies. This is the equivalent of Bleachbit.
[19:00:07] <Michael> Flash cookies are..for example, the ones that tell youtube on what volume level we were last time, among other thousands of things that can save.
[19:00:13] <Michael> Not the regular cookies... see? So better privacy is always a must, even for your normal web browser.
[19:00:24] <Michael> By the way, BetterPrivacy will ask to locate flash folder if you don't have flash plugin installed cause if you don't have Flash installed, no LSO will be created, and BetterPrivacy will not be needed.
[19:00:39] <Michael> Flash cookies is the only cookie saved on global folder, same for all firefox portable. Anyway, if you don't install flash player, you won't have this type of cookie.
[19:00:48] <Michael> TIP: No need to install Java run time machine in this windows session, JAVA is used to track you so its better to avoid it.
[19:00:57] <Michael> https://addons.mozilla.org/en-US/firefox/addon/firetitle/ [19:01:08] <Michael> I use this when I want to visually separate the different FireFox sessions, cause it can mix up easily if I have more than one profile opened.
[19:01:23] <Michael> For example, for my session 001, I just do it like: http://i.imgur.com/mnhMaBX.png
[19:01:33] <Michael> So every tab I make from session 001, will have 001 at the beginning... so I can have many profiles opened without worrying which is which.
[19:01:42] <Xpaq> Understood
[19:01:47] <Michael> Btw, if you have questions just ask away ok? [19:01:57] <Xpaq> No questions right now
[19:02:20] <Michael> ok nice. :)
[19:02:23] <Michael> btw sw is currently offline.. [19:02:32] <Xpaq> yeah I see that
[19:02:41] <Xpaq> okay np
[19:05:56] <Michael> he doesnt reply.. but perhaps its an emergency. Lets continue for now...
[19:06:02] <Xpaq> okay
[19:06:10] <Michael> Ok, our next addon is Foxy Proxy:
https://addons.mozilla.org/en-US/firefox/addon/foxyproxy-standard/
[19:06:19] <Michael> FoxyProxy will help us, along our socks program, to route a proxy to be only used in certain port. To route different socks to different profiles at the same time.
[19:06:19] <Xpaq> understood
[19:06:25] <Michael> SOCKS setups screenshot in FoxyProxy: http://oi61.tinypic.com/wce96x.jpg
[19:06:33] <Michael> I usually don't use FoxyProxy a lot, cause I only need to have 1 session opened at the same time or just use a quick Private Tab
https://addons.mozilla.org/en-US/firefox/addon/private-tab/ to make a 1 shot carding, or 1 shot email setup or something that doesn't requires a long term cookies saving.
[19:06:42] <Michael> Opening a private tab, is like opening a new profile... all clean from ground... of course, it won't save anything for future use. [19:06:45] <Michael> Examples of quick carding jobs this might be used for are:
[19:07:11] <Xpaq> sw back [19:07:19] <SwitchHair> sorry
[19:07:24] <SwitchHair> did i miss much? [19:07:27] <SwitchHair> stupid modem [19:07:36] <SwitchHair> plz contnue
[19:07:55] <SwitchHair> and please send me the conversation and I will pick up watever I missed
[19:08:01] <Michael> ohhh just two addons
[19:08:25] <Michael> glad you are back [19:08:33] <Michael> lets continue... [19:08:44] <Xpaq> okay
[19:08:56] <SwitchHair> sory
[19:08:56] <Michael> so private tab for quick carding jobs like...
[19:08:57] <Michael> 1. when you need to transfer money from cc to paypal [19:09:02] <Michael> 2. or need to card your own stripe website as the casual buyer
[19:09:17] <Michael> its ok i have a copy of the logs
[19:09:23] <Michael> On the other side, Creating and maintaining long term Profiles are for cashout accounts when you need to log in today and again next week.
[19:09:31] <Michael> You could ask: but what about maintaining the same ip?
[19:09:32] <Michael> 1. With the socks service I'm gonna share you in short while.
[19:10:02] <Xpaq> Understood [19:10:05] <SwitchHair> ok
[19:11:15] <Michael> 2. Most of the times, logging in from same city is enough. Nowadays is very normal to access from different wifi's along the week: WiFi from office, from coffeshop, from shared internet from friend's mobile, from lover's house, from mommie's house, from uncle Joey, etc, etc... what is not very normal, is that we access our finance account from different device, and hence the usefullness of this method.
[19:11:24] <Michael> Ok, finally, we talk about User Agent Switcher addon: https://addons.mozilla.org/en-US/firefox/addon/user-agent-switcher/
[19:11:28] <Michael> Do you know what a User Agent is? [19:11:40] <Xpaq> No
[19:11:51] <SwitchHair> i think its the referral
[19:12:21] <Xpaq> I'll google it later on [19:12:31] <SwitchHair> same
[19:13:08] <Michael> A User Agent is a browser feature that tells the websites a whole bunch of information about us (browser version, O.S., resolution, plugins installed and its versions, time and date, etc.)
[19:13:25] <Michael> Basically, with user agent, sites with the right technology, can profile us among millions, just by comparing all of our settings...
[19:13:37] <Michael> Again, that's why is better to use Windows 7 as most of the people. To blend in with the crowd.
[19:13:37] <SwitchHair> ok
[19:13:43] <Michael> So your Windows carding VM, must be the most untouched as possible, to act as many millions of brand new machines out there.
[19:13:48] <Michael> Check out these sites: [19:13:54] <Michael>
[19:14:00] <Michael> These are perfect fingerprinting examples.
[19:14:09] <Michael> In noc.to, click all of the options to display more info. Scary right?!
[19:14:43] <SwitchHair> yeah! [19:14:48] <Xpaq> Yep
[19:15:05] <SwitchHair> WOW
[19:15:13] <SwitchHair> IP Geo is so spot on!
[19:17:01] <Michael> But the user agent is designed for user's good... for example, it will tell what screen resolution design will show, according to what user have... and things like that... it is not exactly destined to be a spy, but is a tool used for spying anyways.
[19:17:04] <SwitchHair> the second link is also very useful to do checks ie if cookies enabled etc.
[19:17:13] <Michael> I'm gonna share you an XML file with dozens of new devices to spoof on the User Agent Switcher addon. You import it from the addon menu in firefox:
http://www37.zippyshare.com/v/52640811/file.html [19:17:38] <Michael> yep and scary.. :)
[19:17:45] <Michael> Things to keep into mind: Remember the user agent switching thing? Imagine you are spoofing an iPad from a 27" screen. You will still be tracked about our real screen resolution and the thing wouldn't match [19:17:57] <Michael> We still have better methods to spoof mobile devices and right now you must know that carding from mobiles is currently a good method cause some websites have the pants down with their own apps and mobile sites (paypal, ebay, even big store's apps)
[19:18:00] <Michael> So we're going to use http://www.genymotion.com pro version for this.
[19:18:14] <Xpaq> ok [19:18:27] <SwitchHair> ok
[19:19:32] <Michael> GenyMotion is the best android emulator around. you can choose to be a 2.3 android tablet, or just the latest samsung galaxy with 4.4 installed, all from your pc only thing you need is good amount of ram and decent processor. We'll use the carded pro version, cause we need to change hardware ID for every new emulator we use, depending if the app can read this. We'll note this when we install every app in the app permission access. [19:19:40] <Michael> What apps? eBay app, PayPal app.. "web shop app" what whatever we need and think we can try from a mobile device.
[19:20:00] <Michael> Isnt' it great for carding? :D [19:20:15] <Xpaq> Yes very much so!
[19:21:17] <SwitchHair> nicee
[19:21:38] <Michael> Ok, and now we move to our next topic: SOCKS! [19:21:53] <Michael> Do you know what are the socks in its pure essence? Basically, the socks are infected pcs from homes and companies around the world. These infected machines are infected with a reverse proxy virus that works as a bridge for other internet connections. So the guys selling proxies, are merely hackers that offers services to other hackers and we fraudsters. [19:22:02] <Michael> We use those IPs coming from infected machines
around the world, to spoof their cities locations, etc, cause merchants will look if we are near to the original geolocation where the card holder lives. [19:22:12] <Michael> SOCKS should be our second level protection... the first should be the VPN.
[19:22:23] <Michael> A VPN ip address, is shared among hundreds of users, so is typically already blacklisted. However, being a shared IP, means more protection, we mix our browsing with dozens of other guys out there. VPN is mainly good cause it encrypts our communications and visits to sites, so the Internet Service Provider (ISP) can't know what we're doing.
[19:22:26] <Michael> Ok, now remember this?
[19:22:32] <Michael> "Stop using vip72. That's killing your carding!" [19:23:21] <SwitchHair> YES
[19:23:23] <Xpaq> ok [19:23:24] <SwitchHair> :D
[19:24:42] <Michael> Well, maybe I was too exaggerated about the 'stop' word... but what I wanted to stress here, is that vip72 is suffering from its over popularity...
[19:24:56] <Michael> Is not only about if our ip is blacklisted on those anti-spam sites...internally means, we will never know if it is blacklisted... they don't share such information with the public as the anti spam listing sites do.... vip72 can't see if the ip is blacklisted internally in PayPal, etc. only if it is blacklisted on those public anti spam sites (cause most of the infected pcs are used for spamming).
[19:25:00] <Michael> So, if we use one of those socks, is like using a used condom...
[19:25:03] <SwitchHair> ok
[19:25:08] <Michael> There are another socks services more exclusive to use. One of them is called http://www.bcprx.net, please login with the demo. [19:25:19] <Michael> Main features of this is that you will know how many times the ip have been used before, and also you can lease or rent the ip to be used solely for you. So this is a good alternative to use in those cases when you really need super fresh SOCKS.
[19:25:40] <Michael> Let's say vip72 doesn't infect more machines frequently, again, we will end using used condoms... due to its over
popularity and service saturation, the IP's of the main cities are going to be used many times for all kind of frauds...And vip72 doesn't have a real feature where we can know if the ip is really fresh (new infected machine)... it only has that 'green' arrow color that I really don't think it says something useful. [19:25:49] <Michael> The only downside of bcprx.net is that the ip's must be assigned manually. It is not assigned by a third party program like vip72. [19:26:32] <Xpaq> ok
[19:26:48] <SwitchHair> ok
[19:27:34] <Michael> For bcprx.net you can use this for an easy way to assign the proxy ip:
https://addons.mozilla.org/en-US/firefox/addon/best-proxy-switcher/
[19:27:37] <Michael> And the sock will only work on from the IP you allow in bcprx settings, this way their users cannot resell SOCKS.
[19:27:42] <Michael> You can still use vip72 because is relatively cheap, and can be used for some works... but for example, when opening stripe
accounts, or aging paypals.. is better to use other socks. [19:27:48] <Michael> Some more SOCKS sites alternatives: http://5socks.net/en_index.htm
[19:27:55] <Michael> Others that are growing in service are: [19:28:02] <Michael> http://super-socks.com
http://rs-socks.net/registration
[19:28:08] <Michael> IMPORTANT: Do not share this new socks service or it will end up being saturated just like Vip72!
[19:28:20] <Xpaq> Understood
[19:28:22] <Michael> So now we move to our next topic, which I suggest you put an emphasis and schedule on...The World of Phone Carding!
[19:28:34] <Michael> This part is about how I still card high priced items to my drops and have been doing it for years.Its so easy, that even your mom can do it just awake and still sleepy.
[19:28:46] <Michael> This method is something that is there in front of all eyes, and not even 5% of carders does this (GOD BLESS THIS!)
[19:28:55] <Michael> We're going to talk very in detail here about this so you don't fail. I've made thousands and thousands just ordering by phone but there are keys to make this succesful, cause of course in the phone, they also do verifications and all the things.
[19:30:02] <SwitchHair> ok [19:30:04] <Xpaq> ok
[19:31:57] <Michael> 1st gold tip here is: STOP THINKING AS THE 99% OF THE CARDERS OUT THERE, TRYING TO CARD ELECTRONICS!
[19:32:05] <Michael> Instead, start thinking in high priced industrial niche market stuff. Most of those are never frauded by carders.
[19:32:11] <Michael> In july I made 14k in industrial sewer machines... and resold them in about 50%. next week I need to order some others client needs. You must start looking for those things that are high priced, and that are not by its nature, very popular for carders. Is not hard to resell those industrial niche stuff, really.
[19:32:21] <Michael> There is market for anything half priced, don't you think? ;)
[19:32:52] <SwitchHair> true [19:33:10] <Xpaq> yes
[19:33:30] <Michael> I also carded a car lifter for car repair shop... a thing of almost 4 tons weight, and costed more than 4k... easy as cake. All by phone! [19:33:35] <Michael> I call those 'virgin fraud stores'.
[19:33:41] <Michael> Ok... so let's talk more in depth on how to proceed in phone carding:
[19:33:57] <Michael> Here are some tips and some scripts I have made throughout my phone carding experiences...
[19:34:01] <Michael> Tips Before the Call
[19:34:06] <Michael> 1. Create a good new email address. I use mainly aol.com for this. better generic business words, or every day words. Like: [email protected]. If you're out of imagination for generic names or companies names, go to http://www.fakenamegenerator.com and see some ideas in the company field.
[19:34:15] <Michael> Also, you can use the email domains from the stripe/web ecommerce websites you're building for your carding projects.
Remember the 'recycling resources' tip here again.
[19:34:21] <Michael> 2. Go to maps.google.com and look for the drop address (Street View) if you don't know it, then, get to know the billing address of the person. The Sales Person could ask you anything, because they can look in google maps too.
[19:34:29] <Michael> 3. Have ready in hands, the address of your drop and number of your phone.
[19:34:35] <Michael> 4. Look for the bin info, and know the phone number of your credit card bank, they might ask you the phone printed on it. (this is mainly for the small stores). You can do this easily on: http://binchecker.com/ -this site will give you phone number of almost every bank.
[19:34:41] <Michael> Remember: if you choose the right product, and the right store, no need for an ATO, because these virgin fraud stores, don't receive too much fraud, they're naive and won't verify too much.
[19:34:45] <Michael> ATO is mainly used for electronics... those highly protected stores, the top 20 stores in google and the like.
[19:34:51] <Michael> When you need alternatives on that item you need, just go to http://www.froogle.com and look for stores alternatives.
[19:34:56] <Michael> Damn, sometimes I feel bad with my self teaching this method, cause I'm just creating competence to my self... and creating new rapers of virgin fraud stores. :)
[19:35:37] <Xpaq> :)
[19:36:02] <Michael> nah just joking! haha [19:36:04] <SwitchHair> lol
[19:36:22] <Michael> I dont feel bad when Im sharing it with a student. :) [19:36:29] <Michael> Tips on handling a call
[19:36:38] <Michael> 1. Don't speak too fast, better slow, like relaxed, with no hurry, but not sounding lazy, and not sounding like a street thug in case you are one :) Behave your tone voice like a business owner.
[19:36:44] <Michael> 2. Have in mind a good Business name and create the email according to it previously. Anyway, sometimes, you will need just a name.
[19:36:50] <Michael> 3. Have ready the items to order shown in your browser in different tabs, or added in the virtual cart if there are many
different references.
[19:36:59] <Michael> 4. They might ask you what your company does, have a good backup story according to what you're carding... if you're a vet, why the fuck you need a sewer machine, right? The idea is to make it credible and natural.
[19:37:06] <Michael> 5. Get to know the product, if for example, is a bike, you need to know some competitor's brand name and some other past models of this bike, you need to know the size of what you're going to order being able to overcome any objections in the instant.
[19:37:21] <Michael> 6. Always write down: The name of the Sales Person
The total of the purchases and what you ordered and... At the end of the call, ask for the Order number.
[19:37:27] <Michael> 7. Don't give the billing phone number, always the burner phone for everything, even when they ask for the billing phone. [19:37:41] <Michael> Remember this:
http://oi61.tinypic.com/fyd1ky.jpg
[19:37:50] <Michael> The idea of phone carding, is mainly that you get a decent and easy income meanwhile you are learning and mastering pure-virtual carding cashout methods.
[19:38:22] <Xpaq> ok [19:38:45] <SwitchHair> ok
[19:39:16] <Michael> That is where you should focus finally... Virtual carding, if mastered can make you more money. Let's say, 2-3 hours a day of phone carding... and rest of the day working on virtual carding...
[19:39:22] <Michael> In Day 3 we're going to talk about this, virtual carding cashout so stay tuned.
[19:39:36] <Michael> The success of this carding, is to be able to answer the calls, or at least reply in good time their emails...etc
[19:40:00] <SwitchHair> ok
[19:40:00] <Michael> Ok man, so you can use the same burner phone for a week or two meanwhile you hit different stores... At BIG RETAILERS SHOPS,
always start ordering below $300 or $400. If success, the next time, order $500, and go from there to know the limit without manual verification. [19:40:07] <Michael> Important - Spell CORRECTLY the:
[19:40:11] <Michael> Billing Address [19:40:16] <Michael> Shipping Address
[19:40:24] <Michael> Remember its a phone call, if any of this is wrong in the sound, we might lose the parcel. The Sales Person will kindly repeat the information.
[19:40:43] <SwitchHair> ok [19:40:45] <Xpaq> ok
[19:40:52] <Michael> Next I will share with you guys four scripts I have made from experience...
[19:41:01] <SwitchHair> ok [19:41:15] <Xpaq> ok
[19:41:16] <Michael> Please copy these, take time to read and know by heart so that you will be prepared on your phone carding sessions.
[19:41:23] <Michael> Phone Carding Script 1 - Questions they might ask
>>Sales Person: Why don't you order online, we have that option?
>>Carder: No sir I really don't trust giving my credit card number online, there might be computer virus or something. I prefer by phone.
>>Vendor: They might want to offer you extended gurantees of the product, only buy them if you know the balance of your credit card, because you might get a declined order for a high order (items+extended gurantees).
[19:41:31] <Michael> Phone Carding Script 2 - Opening (For Big Stores who receive many calls a day)
These shops just want to receive your order quickly to go to the next call.
>>Carder: Hi, I would like to make an order please. >>Sales Person: Sure, have you ordered with us before?
>>Carder: No, is the first time (could you please help me to open an account for me)
>>Sales Person: Sure, no problem. [and they start asking you for the basic info]
[19:41:35] <Michael> Phone Carding Script 3 - Opening (For Small Stores who might not receive too many calls a day)
>>Carder: Hi, I'm looking for some *use the generic name of item*.
... and you ask questions like if you really need to receive help to "choose the right" article
TIP: Let them be the smart sellers, you are the want-to-learn client. You want them to feel good in their job attending you... so you can feel good when you receive your carded goods. :D
[19:41:40] <Michael> Phone Carding Script 4 - Exit Script
Always end the call good, if they say for example:
>>Sales Person: No sorry, we can't deliver to an address different of the billing.
>>Carder: Oh, look, I'm working out of my city and I need that here. >>Sales Person: Sorry, we can't, is our policy.
>>Carder: Mmm, thanks anyway lady. I'll call the bank to add this address on file
[19:42:43] <SwitchHair> ok [19:42:51] <Xpaq> ok
[19:43:12] <SwitchHair> stupid question, how a merchant know credit cards address?
[19:43:19] <SwitchHair> do they have access to such info?
[19:45:04] <Michael> they will forward it to the crediting dept who calls the issuing bank
[19:45:21] <SwitchHair> ohh okk [19:45:21] <SwitchHair> ty
[19:45:28] <Michael> thats for phone carding btw... but if you bought via online then everything is automatic.
[19:46:32] <Michael> ok last lesson then we move on to the Q & A portion.. [19:46:40] <Xpaq> ok
[19:46:44] <Michael> On the phone we have better opportunities to talk about why we're using a drop address different than the billing address: [19:46:47] <Michael> What I do is, essentially say that my billing address is my home address and the drop is my company address...Because who the hell want to receive a sewer machine at home if they need to be installed in the company! :)
[19:46:59] <Michael> If the cc is from other state, I usually just say I'm opening a new branch in the drop state. Some companies will want to know if the shipping address is a freight forwarder company and won't deliver if so... So better use empty houses and alike.
[19:47:32] <Xpaq> Understood [19:47:35] <SwitchHair> ok
[19:48:39] <Michael> You know... I've been using the same drop address for 2 years and police have never gone there. Just don't card stores from same state. don't be stupid and don't card 5k in a store 2 miles from the drop. Stores usually just loses the money and tight up security for next fraud attempts. If you receive in your home, just sign with your non-main hand. [19:48:52] <Michael> ok guys! this is all for day 2!
[19:48:55] <Michael> Hope you had fun with this class and start thinking on new possibilities on what to card.
[19:49:05] <Michael> If you focus and work good, you can be making good money every month safely from home.
[19:49:10] <Michael> Its all about 1. Planning 2. Organization 3. Avoid multi tasking 4. Annotation of experiences for future reference.
[19:49:27] <SwitchHair> ok
[19:49:29] <Michael> All those 'pro' guides will help you in some way. but the idea of my university, if you read them along, is to have all the points
connected in the head, so you finally can stop stalking the guides threads for new info, and start the serious work on your own projects, even discovering new methods.
[19:49:36] <Michael> You know, 'noobs' stalks the guide thread all day waiting to something 'awesome stuff' to come out... and pros just work hard and create.
[19:49:44] <Michael> Q & A time!
[19:50:42] <SwitchHair> I m more worried about security side. If a carder can be traced back
[19:50:51] <SwitchHair> are we going to cover it?
[19:51:57] <Michael> Yes security basics are covered on day 3.. I will be sharing a guide for it.
[19:52:10] <SwitchHair> ok
[19:52:12] <Michael> Purely CU created guide [19:52:15] <SwitchHair> Thanks
[19:52:23] <SwitchHair> CU?
[19:52:40] <Michael> Carding Univ. [19:52:41] <Michael> :)
[19:53:08] <SwitchHair> haha ok [19:53:27] <Xpaq> :)
[19:53:30] <SwitchHair> Thanks Can you please send me the conversation log so i can read
[19:53:45] <SwitchHair> Dont have nay more questions :D
[19:53:47] <Michael> Btw, dont forget to add each other in jabber [19:53:49] <SwitchHair> thanks
[19:53:56] <SwitchHair> yes [19:54:00] <Xpaq> thanks [19:54:02] <SwitchHair> xpaq
[19:54:07] <Michael> take this opportunity to learn and network from a fellow countryman :)
[19:54:09] <Xpaq> yes will do
[19:54:17] <SwitchHair> I am [email protected] [19:54:28] <SwitchHair> agreed
[19:54:38] <Xpaq> Will add you bro:) [19:54:52] <SwitchHair> ty bro
[19:55:04] <Michael> https://mega.co.nz/#!CwVFXKQR! N9KbU8MHidxM0YV3IHCWFNJpf4I8Q5-G3uS5Qda7SHA [19:55:05] <SwitchHair> when is the next educational class [19:55:07] <SwitchHair> ?
[19:55:07] <Michael> thats the log file [19:55:27] <Michael> oh yeah lets sched? [19:55:30] <SwitchHair> thanks
[19:55:36] <Michael> ny time plz
[19:55:42] <Michael> when r u guys free?
[19:55:54] <Xpaq> any time tomorrow for me is good [19:56:15] <SwitchHair> I am free at 7AM NY Time [19:56:22] <Xpaq> same
[19:56:32] <Michael> 7AM later? [19:56:35] <Michael> ok x and sw [19:56:40] <SwitchHair> ok
[19:56:42] <SwitchHair> Thanks
class
[19:56:50] <Michael> haha [19:56:52] <SwitchHair> :D [19:56:58] <Xpaq> :)
[19:57:00] <SwitchHair> goodnite [19:57:05] <Michael> 7AM later ok?
[19:57:08] <SwitchHair> in ur case michael have a good day [19:57:14] <SwitchHair> yes
[19:57:17] <Michael> for day 3! [19:57:18] <Xpaq> yes
[19:57:20] <Michael> its the most exciting day! [19:57:29] <SwitchHair> ok cant wait
[19:57:34] <Michael> will take a small nap. Good night guys! Thanks! [19:57:38] <Xpaq> Good!!!! looking forward to it!
[19:57:47] <SwitchHair> so tomorrow I will be online around 6:30 - 7 onwards
[19:57:51] <Xpaq> good night:) [19:57:53] <SwitchHair> thanks [19:57:55] <SwitchHair> bye
[19:58:06] <Michael> Take care bye! 01:49:39] <Michael> Hi guys!
[01:49:43] <SwitchHair> hi [01:49:45] <Xpaq> hi!
[01:49:48] <Michael> send me test pms [01:50:05] <Xpaq> test
[01:50:30] <SwitchHair> I sent to both of you [01:51:27] <Michael> sorry i meant test chat
[01:51:39] <Michael> guys is it ok if another one joins? [01:51:48] <Xpaq> fine with me
[01:51:49] <SwitchHair> I am cool
[01:51:51] <Michael> I have another sutdent who is taking day 3 today. [01:52:22] <Xpaq> okay sounds good
[01:52:50] <Michael> ok wait a sec
[01:53:47] <jodesvin> Testing one two three [01:54:22] <Michael> Alright!
[01:54:43] <Michael> make yourselves at home. :)
[01:55:02] <Michael> Ill be calling you guys j, sw, and x for fast answers to questions.
[01:55:05] <Michael> ready?? [01:55:10] <SwitchHair> Hi Jod
[01:55:25] <jodesvin> yeah im good. Hi Switcha and Xpaq! :) [01:55:26] <Xpaq> hi jod, yep i'm ready
[01:55:36] <SwitchHair> ready
[01:56:10] <Michael> ====WELCOME TO BANNEDEBOOK'S CARDING UNIVERSITY====
[01:56:19] <Michael> Today we're going to see how to cashout to banks using fake webcommerce schemes.
[01:56:33] <Michael> In essence the idea of this, that I call auto carding, cause at the end you card to yourself, is to create fake webshops.... then use ccs as fake clients, and wait that payment gateway processor sends your 'earnings' to your bank account.
[01:56:45] <Michael> We're creating accounts using other's names (fullz), opening both, bank drops and web accounts. Then, using stolen ccv data to 'pay' for nonexistent goods bought to your fake web shops, and waiting for those 'earnings' to be sent to your bank drops.
[01:56:55] <Michael> The success is on the details, which we are going to discuss here.
[01:57:10] <Michael> Did you guys start browsing through the guide i sent a while ago?
[01:57:22] <Xpaq> read the whole thing
[01:57:28] <Michael> This serves as an introduction to day 3. Please go over this guide thoroughly after the lesson and I suggest you read it atleast twice. [01:57:28] <SwitchHair> yes finished it
[01:57:34] <jodesvin> i got it 5minutes ago so not yet :P [01:57:37] <SwitchHair> ok
[01:57:48] <SwitchHair> haha
[01:58:04] <Michael> its ok I suggest you read it over again after class [01:58:10] <jodesvin> yeah will do
[01:58:10] <Michael> Now I'm going to the details so you can have much more success in any project, even trying new payment processors as it should be cause is not good to stay just with one.
[01:58:19] <Michael> Because, stripe and the other payment gateways methods can die in any moment, but there are dozens of gateways waiting for us.
[01:58:26] <Michael> Ok, for me, the logic about these methods is: [02:00:36] <Michael> 1. Never work with less than 5 sites per week: you must think that only maybe 2 of 5 sites will pass the 2 day payment roll (first week is 7 days payment roll in most of the payment gateways companies) [02:00:45] <Michael> 2 of 5 sites cashed out, more than enough to make a productive week. right?
[02:01:00] <Michael> Anyways, setting up fake websites is so easy, that we shouldn't worry about how many we must create.
[02:01:06] <Michael> Learn this:
[02:01:24] <Michael> To be more productive with our scarce time, work in phases, focusing in single tasks: Take 3-4 time of full work only creating the sites. Don't mix things up. work in chain. then, other 3-4 hours just opening bank drops via web. Then, a full hour just checking cards... and so on... complete the cycle, never mix up with tasks.
system, so then you are organized and ready to go.
[02:01:44] <Michael> Again, don't mix up the work, do only one task at the time, and be organized. That's part of the key to success.
[02:01:53] <Michael> The best is to first start buying the fullz id (not to confuse with fullz cvv). and do all of your account creation based on this fullz, starting with the Bank Drop account, then with the same name the Stripe (or other payment gateway).
[02:02:02] <Michael> Then the Domain subscription. (which we will talk later)
[02:02:14] <Michael> 2. never use shitty prepaid cards as cashout accounts. Always try to get brick and mortar bank accounts.
[02:02:28] <Michael> BOA (bank of america) is good, I will teach you about opening bank drops in Day 4. Stay tuned for that.
[02:02:40] <Michael> 3. don't use prepaid debit cards in the first week, hoping to jump the 2 day roll. Using a prepaid card to make the first charge, is old trick from 2013.
[02:03:46] <Michael> For the payment day roll jump week (the first week showing good behavior to the payment gateway hoping to receive the 2 payment day roll), use visa business cards or corporate, hopefully checked by phone, with high debt and high available credit. Those which hopefully can mix fraudulent charges with legal charges on the card holder, because they might not notice it.
[02:03:53] <Michael> Stripe knows the bins of course.
[02:04:13] <Michael> So it's plain stupid using prepaid debit cards to avoid chargebacks. They will find out and flag the account.
[02:04:26] <Michael> The most that you can get is a perpetual 7 day roll. [02:04:32] <Michael> Any questions guys?
[02:04:40] <Michael> before we get into this in detail.. [02:04:42] <Xpaq> I'm good
[02:04:44] <SwitchHair> no [02:04:49] <jodesvin> im good
[02:06:07] <Michael> I'll explain: Stripe, wepay, etc, requires that you have at least 1 week of good 'behavior' with no chargebacks or declines, before
giving you the 2 day payment roll.
[02:06:51] <Michael> So at first, people thought that using a debit prepaid card of their own, to make the first charge and avoid chargeback was good. It was good in 2013. but of course, the companies updated security.
[02:06:57] <Michael> So basically, my advice is:
[02:07:09] <Michael> Use visa business cards, hopefully checked by phone, with high debt and high available credit, hoping the charge will mix up with the legal charges of the card holders, Also, the first charge, should be a random value from $70-$100...
[02:07:15] <Michael> Its also good using different bins: analyzing the bins, is one of the things that stripe does very often.
[02:07:21] <Michael> For example, when you get 2 day payment roll, and use 5 times in a row same bin. what do you think it will happen?
[02:07:42] <jodesvin> account flagged :P [02:08:30] <Michael> yes correct
[02:09:01] <Michael> will get flagged definitely... so dont abuse Stripe's stupidity
[02:09:21] <Michael> Is also important not to use bad ccs that might decline, cause the site can be flagged if ccs decline more than 3 in a row.
[02:09:33] <Michael> Also, its important to let age the accounts even before the first charge. Not aging the sites is a major mistake for people who doesn't know. Don't start charging right away!
[02:09:47] <Michael> Checkout the Stripe section of the virtual carding guide (the guide I just shared a while ago) and you will see I have some tips setup. [02:09:50] <Michael> So in summary, all would be:
[02:09:58] <Michael> 1. Buy custom fullz id, create bank drop, create the site, the stripe account, etc. Hopefully with RDP, cause stripe is doing browser fingerprinting lately.
[02:10:05] <Michael> 2. don't login again for 1 week.
[02:10:16] <Michael> 3. login again, after 1 week and do first charge with a hell-of-a-good business cc.
[02:10:29] <Michael> 5. now you can go crazy on charging the sites in the ones who reached 2 day roll cashout.
[02:10:46] <Michael> When in 2 days roll status already, first day, charge around $300 per card, go around $1,500 first day... and rise around 50% every day so let's say $2,500 on second day, and so on, until the account dies.
[02:11:04] <Michael> Important: cashout the bank as soon as the money arrives. Because when fraud happens, the companies can make withdrawal of funds.
[02:11:10] <Michael> ...and again, here comes the idea of recycling resources: websites, bank drops, domains, email domain...
[02:11:22] <Michael> ok, other thing about stripe is that charging only 1 of these business cc, to hopefully jump to 2 day roll, is enough...
[02:11:31] <Michael> No really need to act as the "legit shop" having several purchases... no, just one the first day, then forget for 1 week, and then come to see if it passed.
[02:11:45] <Michael> Ok. Now you need to start thinking on doing this in not only one gateway but many, using same site and same bank drop in cycles. [02:11:47] <Michael> Ok, about domains:
[02:11:54] <Michael> You can use same webhost for many different domains. Some people think you need 1 host x 1 site, wasting money in this way.
[02:12:05] <Michael> Some webhosts I like are: [02:12:06] <Michael> bitcoinwebhosting.net namecheap.com
[02:12:14] <Michael> Let me share with you my formula...
[02:12:26] <Michael> For these methods, is ok that 1 host plan, hosts multiple domains (you can change owner of each domain even if belongs to same site) - (you can even buy domains in 1 company, and make host in other)
[02:12:39] <Michael> 1 drop per site, when using a gateway. when blacklisted, just use at another gateway.
[02:12:50] <Michael> 1 gateway per bank drop.
