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TUCoPS :: Scams :: narc7.txt

Charge cards/Credit Cards




                          N  .  A  .  R  .  C   .

                               Infofile # 7

                                by Htaed


Table of Contents:

I.    Preface
II.   Credit Cards vs. Charge Cards
III.  Types of Cards
IV.   Mail order companies
V.    VISA bank numbers
VI.   Mastercard
          A. Bank Numbers
          B. Bank Id numbers
VII.  American Express
VIII. Conclusion


I. PREFACE

This is my first infofile as a N.A.R.C. member. For those of you who have read
"Getting Serious about Carding by Optical Illusion", this is a somewhat a con-
tinuation of things you need to know about carding which Optical Illusion did
not cover. In this file, we'll try to cover the aspects of the use (or shall we
say misuse) of a credit card, strategies mail order companies keep us from
getting away with carding, and a list of bank id numbers with their banks.


II. CREDIT CARDS versus CHARGE CARDS

Many people have the misconception that all cards are credit cards. This is of
course not true. For example, American Express is a charge card and not a credit
card. American Express is a charge card since the owner of the card must pay off
the whole amount when his bill comes. If the owner doesn't, he or she is in
serious shit. One thing good about the American Express is that it has no limit
on how much the person can spend as long as the person can pay off the bill when
it comes. Basically, the card is based on the person's good judgement on how
much money the person have. Why is there American Express Gold and regular
American Express cards then? It still has a hidden limit which you cannot buy a
Corvette ZR-1 with a regular American Express. You could however do it with a
American Express Platinum (if you can find one to abuse). This means you can buy
more expensive things at one time with a Gold or Platinum card. Credit cards
have a set limit after you you apply for the card. Usually a Classic Visa has
about $700 plus or minus $100. Mastercard on the other hand has about $1000
limit on it.


III. TYPES OF CARDS


        Credit Cards                          Charge Cards

        VISA                                  American Express
        Mastercard                            American Express Optima
        Discover                                               Gold
                                                               Platinum

Here's a couple type of cards I do not know what category they fall into since
they are never accepted by mail order companies. One of them is Diner's Club
International and the other is Carte Blanche.

      Bank name                                Bank name
 _______________________________          _______________________________
|                      |        |        |                      |        |
|  BANK of N A R C     | V I S A|        |  BANK of N A R C     | V I S A|
|                      |________|        |                      |________|
|                      |        |        |                      |        |
| 4000  123  456  789  |hologram|        | 4000 0123 4567 8910  |hologram|
|                      |________|        |                      |________|
|   00/00    00/00 CV  |   ___  |        | 00/00/00  00/00/00 PV|   ___  |
|                      |  //    |        |                      |  //    |
|  John Doe            |  XX__  |        |  John Doe Jr.        |  XX__  |
---------------------------------        ---------------------------------
                            ^                                        ^
                            |________________________________________|
VISAs are grouped either                         |
in 4XXX XXX XXX XXX or                           |
   4XXX XXXX XXXX XXXX.                   This is either a C or a P.
The  2 groupings used are different for       C for Classic (regular)
each bank. There are banks'                P for Preferred (better, much better)
preferred cards that are group in
4 3 3 3.


 _______________________________
|                               |
|                               |
|  B A N K   of   N.  A.  R.  C.|      All Mastercards are 12 digits grouped
|_______________________________|      in blocks of four digits each.
|                           ___ |
|  5000  1234  4567  8910  /   X|
|                          |M C||
|                          |M C||
|   Joe Card Alot          X___/|
---------------------------------
    |
  1234 is the bank id number.
  The bank may have more than one id number for
  their 5000 XXXX XXXX XXXX series cards.


IV. MAIL ORDER COMPANIES

Most of the mail order companies will accept Visa or Mastercard. Some will also
accept American Express and Discover. These mail order companies check the card
by either calling into a TRW center to check if the amount of the order will
exceed the limit. In either case of a approval or declining, the mail order
companies will call you back to check with you the order you have placed.
Anyways, a way of finding a valid card is to call a credit approval system
yourself. Here's some ways of checking:

     (1)
           1-800-554-2265 for check Mastercard or Visa

                for mastercard   10#1067#24#CARD#EXP#XX*XX#

                for Visa         20#1067#24#CARD#EXP#XX*XX#

               - 10 and 20 are for the type of cards
               - 1067 is the bank id number
               - 24 is the merchant number (52 will also work)
               - EXPiration must be in the form of 0291 for feb of 1991
               - XX*XX is the amount. Use a small number like
                 11*04 for $11.04.


Another way mail order companies verifying cards is to call the bank of the
card and verify the name of the person and the billing address versus the name
you gave the mail order companies and the address (drop site). So the only way
of getting pass this is to have the stuff sent to the person's address or
getting the waybill number from the mail order houses and intercept the package
at the UPS or Federal Express office before the package arrive's at the card
owner's address.


V. VISA BANK Numbers


4428  Bank of Hoven
4128  Citibank           CV
4271  Citibank           PV
4929  Barclay Card       CV  (from England)
4040  Wells Fargo        CV
4019  Bank of America    CV
4024  Bank of America    PV
4019  Bank of America    Gold (This card looks like a CV but without a CV after
                                the expiration date)
4678  Home Federal
4726  Wells Fargo        CV

4036
4561
4443
4833
4070
4735
4673
4044
4050
4226
4605
4923
4820
4048                     CV
4121


VI. Mastercard

    A. BANK NUMBERS

5419  Bank of Hoven
5410  Wells Fargo
5412  Wells Fargo
5273  Bank of America             Gold
5273  Bank of America
5254  Bank of America
5286  Home Federal
5031  Maryland of North America

5326
5424
5250
5417
5215
5204
5411
5421
5329
5308
5217
5415


     B. BANK ID NUMBERS

5410  Wells Fargo      -- 1037
5410  Wells Fargo      -- 6785
5419  Bank of Hoven    -- 1933
5410  Wells Fargo      -- 6037

5204                   -- 1006
5250                   -- 1260
5215                   -- 6207
5424                   -- 1065
5411                   -- 1169
5421                   -- 2143
5417                   -- 1786
5417                   -- 1711
5415                   -- 1530


VII. AMERICAN EXPRESS

3728      GOLD
3713      Regular
3732      Regular

3737
3782
3731
3724
3742
3727
3787
3726
3766
3734
3749
3763
3710
3718
3720
3739


VIII. CONCLUSION

Well this comes to an end of this N.A.R.C. file. If you know any more Bank Id#'s
and the first four digits to which issuing bank which are not listed above,
please contact me (Htaed) at Nuclear Wasteland or at Critical Condition. If you
also know what bank owns which numbers, also contact me.What I really want is
the small banks that issues cards' numbers like Brookside Savings with like only
two branches offices.


                                                              __ _   __
                        ( c )  N.  A.  R.  C.  1989      /| //_//_> /
                                                        / |// // X /__


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