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Chapter 2 - Mindset and Reality
This chapter is meant to get you into the mindset of a carder and fraudster. Reading this chapter will help you succeed and make you understand fraud much better in order to commit it properly. Don't skip through this course but instead read through it chapter by chapter as it was designed to be read.
First things first. Don't aim for a 1,000,000 USD a year because that's fantasy land friends. When you're starting out in carding or hacking for profit you should be aiming for a few hundred dollars a month and then work your way up to a few thousand a month before aiming your sights bigger once you have a handle on the horse. This should be your goal when going through these courses at HackTown. Baby steps. You need to walk before you can run and understand what reality for you is. There's no point in reading a guide that talks about something that is way the fuck beyond your grasp or even possible for you. It would be awesome if I could find a guide that taught me how to build a jetpack and fly off to the fucking moon but that isn't fucking reality. Thinking like that all you're going to do is set yourself up for failure, in everything. Be realistic within your skill set and you'll have much success.
As I dived deeper into the world of carding, I came to a harsh realization. By purchasing other guides, going through forums, talking with experienced members, and meeting my friend the harsh reality was I wasn't going to be making millions of dollars over night by reading one carding guide. I hate to burst your bubble but this is why most guides disappoint everyone. I realized fairly quickly with carding, as will you, that no one is going to reveal a profitable method on how to card or commit fraud. Think about it. Why would anyone release their methods on how they commit credit card fraud?! Would you? If they revealed their own method they would burn that method and stop making money. This is something you will not find, for obvious reasons.
Again, no one is going to tell you their private methods of carding. This should make sense to you and it's important to know this. Now with all that being said you don't need to know anyone else's carding methods. You really don't. What you need to know is the right information in order to develop your own method. I have included a chapter on how I found my methods that explains everything which will give you much insight into building your own private method. This carding course is the real deal comrades and will show you what is your reality should you choose to card until you go full tard.
Stop buying guides on "How to card $100,000, 6 Ferrai's, and 18 hats" for $7 on whatever bullshit dark market you're desperately looking on. It's fake and the creator of those shit guides wants you to purchase their bullshit guide that's trash and doesn't work. Avoid this as it will just discourage you and play some fuckery with your mind. This is the only carding guide you require. You can build on this later but this is the only thing you need. Trust in that my friends.
Each carder has their own methods on how to card successfully and each method will vary greatly depending on where you live in the world. It's impossible to create a carding guide that encompasses everything for everyone in the world but by finishing this carding course you'll have the knowledge, expertise, and experience needed in order to find your own method that works for you. To be honest, finding a method when you have the right knowledge is not difficult by any means. Understanding how fraud works, how it's performed, and the logistics of it all is what you need to learn in order to be successful. It's really not that difficult once you have the right information but it will come down to whether you have the balls to commit it and pull it off.
The advice I was given when I started out in 2014 and the advice I'm going to give you is don't try learning how to commit fraud in countries that you don't reside in or aren't familiar with at first. There are too many financial institutions in the world and each financial institution has different anti-fraud protections in place. This is silly. The best way to understand and perform fraud successfully is to make it relevant to your life and what you know.
Want to know how to open up a bank account that can be used for your fraud life? Then go ahead and walk into the bank you want an account in then open an account with your real identity and close it a week later or just fucking forget about it. By going through the process of opening a new bank account you'll see exactly what will be required in order to open up a fake bank account. Did they ask for ID? Did they ask for letter of employment? Did they need an address to send your credit/debit card to? What tools and equipment are you going to need in order to open a fake bank account? Understand yes? Think like this.
In order to be successful in carding, or any fraud for that matter, you need to know the ins and outs of what you're doing. Obviously. So let's get into this.
Grab your purse and take out your OWN credit card and look at it. Just imagine your credit card was stolen and you're the thief that took it. You have the physical card in your possession thus you have the credit card (CC) information you'll be needing to attempt an online purchase and potentially an in store purchase. Since it's your own CC you obviously know your home address and the details required to proceed with the checkout. With that information you can, in theory, use that card to make an online purchase. This is the mindset. Before you commit fraud think of how you make the purchase legitimately and the logistics required to make the purchase. You want to become the card holder and appear to make a legitimate purchase.
Everything you see on your CC is what you're going to need to commit online fraud. Got it? We need type of card (VISA, Mastercard, etc.), CC number, CC expiry date, Card Verification Value (CVV/CVV2), and the name on the card. With these details we can now attempt to card.
The part you don't know, yet, is how to card with success. If you're logging into a website over Tor and using a stolen credit card to make an online purchase, guess what? That shit isn't going to work. Of course not. If someone has your CC details and they attempt to make a purchase from Nigeria it's not going to go through. This shouldn't surprise you. The point is, even though you have the proper details (your CC information) to make an online purchase you need to know how to make that purchase fraudulently.
Want to know how to make a CC fraud purchase? A good start as a beginner is testing everything on yourself first. If I'm writing malware I first test it out on myself to make sure it's going to function to my liking so why not do that for everything else?
Here's what I mean by test it on yourself. I have my own credit card so I have the CC details and I know the address and name on the card because the card is mine. I drive over to the next town, find a coffee shop, connect to their Wi-Fi network, load up a fresh Ubuntu virtual machine, connect to the website with Firefox, and try to make a purchase online with my own credit card to see what happens. Did it go through? Did it matter I was using a VM? Does it matter if I'm making a purchase from a different location then my address on the CC? Did I get an email or a text message from my financial institution about the purchase? See what happens when you do this. This will give you much insight on what you'll need to perform carding successfully and by doing these "tests" you're not doing anything illegal. Make a simple online purchase from XYZ website to see what's what.
Now re-do all the above when you're using a VPN from the same geolocation as you. Do it again using a VPN in a different geolocation then you and finally try it over Tor. If you get a phone call from your CC provider just say you're using a VPN or proxy service to make the purchase online. The conversation will be informative and interesting but remember you're not doing anything wrong or illegal. You're simply using a VPN/RDP or Tor to make a purchase with your own credit card online. This is not fraud. This is fine. Most important, you'll know what will go through and what will cause issues.
I'm not saying commit credit card fraud against yourself. I'm simply stating for you to make a legitimate purchase online with your CC with different variations of your setup to see what gets flagged, declined, or accepted in order to solidify what you'll need to be most successful. Will using a VPN cause more suspicion than an open Wi-Fi network at a coffee shop? Do you even need a VPN? If so, does it need to be close to the card holders address? If you choose not to test this on yourself I hope you understand my point of doing this and get what I'm trying to show you. This is very valuable. Trying things on yourself will give you great insight into what you'll need to replicate to be successful with whatever fraud you're trying to pull off. More importantly, like I said we all know something different and think differently, maybe you know of a store in your town/city if you were to card one of their items you can sell it for high value or use it. Testing a small legitimate purchase first with various setups is a good way to see what works and what doesn't work real quick, and legally.
Once you know the "proper" process of how something works then you'll know what's needed to card successfully which will help you develop your own carding method. This is why you don't need other people's carding methods because knowing how something works will give you the knowledge to card like a boss using your own method. You think everyone is just copying each other's methods?! Of course not. They, just like you will, create their own.
- Name and address of the card holder.
- Connecting from an IP close to the card holders address (this depends but we'll get into it).
- Connecting from an IP that isn't blacklisted or flagged as malicious.
- Using a "normal" operating system with a normal web browser to make the online purchase.
- Think about the process needed in order to be successful.
- The ability to clone a credit card.
- Social engineering abilities and social skills.