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Small course about Bank cards
There are several types of cards:
Credit card: A Credit Card is a payment card issued to users (Cardholders) as a
method of payment. It allows the cardholder to pay for goods and services based
on the holder’s promise to pay for them. The issuer of the card generally a bank
creates a revolving account and grants a line of credit to the cardholder, from
which the cardholder can borrow money for payment to a merchant or as a cash
advance.
Debit card: A debit card (also known as a bank card or check card) it’s a plastic
payment card that can be used instead of cash when making purchases. It is
similar to a credit card, but unlike a credit card, the money comes directly from
the user’s bank account when using a debit card.
Prepaid Cards: a card issued by a financial institution that is preloaded with
funds and is used like a normal credit card. A prepaid credit card works in the
opposite way of a normal credit card, because instead of buying something with
borrowed funds (Through credit), you buy thing with funds that have already
been paid.
This cards function like a gift card OR VCC.
CHECKING CARDS LIKE A PRO
Before you make a purchase, usually the website will check whether the card is
live or not with a Preauthorization charge. It basically works like this: They
check if the card is valid, with correct data and also check for funds availability.
You can read more about it
We can make the Pre-authorization procedure ourselves.
1 step: If you want to check if a card is valid or not and you are tight on budget,
simpl go to Netflix or Uber and add the card for a trial, if you are
successful, it means it’s live. Netflix doesn’t charge the card; hence it
won’t raise any alarm. WOULDN’T SUGGEST 2020.
2 step: The elite way of checking cards is by calling the bank, you can ask
whether the card is live or not, even the available balance and the daily
spending’s, because of course even if you have a 20k balance, that
doesn’t mean you can spend 20k in a day. That’s a security measure.
You can even ask to increase the daily spending limit.
I use spooftel and spoof cardholder number and I’m automatically recognized.
You can check through the automatic or robot or even better through a
representative.
3 step: Another way is pre-enrolling/logging into the online banking and
checking everything.
4 step: Finally, yet important, you check the credit line through a credit report,
although I notice it’s not really that accurate, the best and most accurate
way will always be the bank representative.
AVS AND BINS
AVS stand for “Address Verification System”.
Let’s say that you have a credit card that has AVS.
The Address Verification System (AVS) is a system used to verify the address
of a person claiming to own a credit card. The system will check the billing
address of the credit card provided by the user with the address on file at the
credit card company.
The other security features for the credit card include the CVV2 number
BINS
Stand for “Bank Identification Number”, generally the first 6 digits of the card
number, it helps to identify a specific card, what bank it belongs, the type of
card etc.
Take notice that some BINs will work better with your chosen system.
That’s why you will work a lot with BINs.
When you will need a specific card type that can go for a very high amount!
The card type will give us an idea of how much the card will handle per every
swipe.
3D SECURE
Moving to 3D Secure Antifraud Measures.
Specifically, VBV and MCSC.
VBV stand for: “Verified by Visa” and its and additional password that prevents
unauthorized purchases. Generally, after checkout, before the charge, you will
see a pop up window asking for that password.
MCSC stands for “Master Card Secure Code”, basically, same thing of VBV.
There are several methods to bypass this
- BIN: you can get a non-vbv BIN and simply skip it all the way, you will
find several sellers that give up to date lists of non VBV BINS.
- Getting a fullz cvv with known VBV password: self-explanatory, some
sellers sell Credit Card data with known password.
- Pre- enrolling: plenty of times, you can pre-configure the password. On
same banks, you can do it straight from the member’s area of their
websites, assuming the customer hasn’t enrolled yet.
Most merchants will ask you to create the password if it’s not created yet. They
might ask for SSN and DOB as well.
- Password reset: Simply use SSN or Mother Maiden Name, DOB to reset
the password.
- Mobile Carding: In some cases we might be able to skip the 3D Secure by
carding from mobile.
