Silk Road forums
Discussion => Off topic => Topic started by: thecrackhead on August 04, 2013, 10:35 pm
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Been through some very rough time recently and the only way out of this will be carding.
Lost most of my contacts in RL due to ppl snitching and promised myself i wont get back into this but I have to. Unfortunately is a life/death situation and I need a lot of money in a short period of time. All I need are verified markets or private forums with good dumps, 101 preferably.
I got the rest.
I had a look on hackBB and TCF, not impressed. Also many scammers on hidden wiki, beware.
Any info is welcomed even if its in PM.
Thank you in advance, don't let me down.
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We are against this kind of thing here...
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We are against this kind of thing here...
I know but face it: I'm taking the money from banks and corporations because at the end of the day shop owner gets his money, guy I got the card form gets his money back instantly. So the people losing are the ones with yachts that have millions...Really?
It is fraud but then again, this is a international online drugs market.
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We are against this kind of thing here...
I know but face it: I'm taking the money from banks and corporations because at the end of the day shop owner gets his money, guy I got the card form gets his money back instantly. So the people losing are the ones with yachts that have millions...Really?
It is fraud but then again, this is a international online drugs market.
That is not always the case. Sometimes the card owner has to pay. You usually fuck up their credit too.
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We are against this kind of thing here...
I know but face it: I'm taking the money from banks and corporations because at the end of the day shop owner gets his money, guy I got the card form gets his money back instantly. So the people losing are the ones with yachts that have millions...Really?
It is fraud but then again, this is a international online drugs market.
That is not always the case. Sometimes the card owner has to pay. You usually fuck up their credit too.
BULLSHIT. Did you see that on BBC? getting better at manipulating are we?
Try not to post if you have no idea what you're talking about. Thank you
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Fuck carding/stealing. I hope you get caught and find out what a 'rough' time in life really is
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and the card companies will also take the money back from the shop in a lot of cases. a lot of the independent ones are struggling at the moment, you carding them may well make their life a lot more difficult
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We are against this kind of thing here...
I know but face it: I'm taking the money from banks and corporations because at the end of the day shop owner gets his money, guy I got the card form gets his money back instantly. So the people losing are the ones with yachts that have millions...Really?
It is fraud but then again, this is a international online drugs market.
That is not always the case. Sometimes the card owner has to pay. You usually fuck up their credit too.
BULLSHIT. Did you see that on BBC? getting better at manipulating are we?
Try not to post if you have no idea what you're talking about. Thank you
Why don't you feed that bullshit to this user who had his credit hurt by some asshole like you?
I made a purchase for some shoes on ebay when i was 19 so about 11 years ago, i used paypal but still someone got ahold of my identity. they maxed out my card and it wasnt covered by mastercard. it was over $2500 they stole from me.... now that transaction isnt the only reason that i have bad credit but i ended up disabled and having that on my credit history has made my life very difficult.
think about the affect you are going to have on someones life not just now but how it can affect them in the future BEFORE you destroy their credit history and make it harder for them to own a house or a car. The companies and banks dont want to pay if you scam someones card and will look for any reason not to cover their loss.
I was also just ripped off by a vendor on SR because I trusted enough to FE. It was only a few bitcoins but it almost left me homeless trying to cover that loss.
THINK ABOUT OTHER PEOPLE DONT BE SO SELFISH!!
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When I was in spain I knew a night club owner that also had girls. I was going four times a week there to fuck and the fun part is that the security guy at the entrance was selling cocaine and was taking percentage from carding. Himself and the night club owner were sharing profits from my carding they knew and it was just fine. Please really dont post if you dont know what you're talking about tremendous faggots.
Natural selection @t3rdsamich...
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When I was in spain I knew a night club owner that also had girls. I was going four times a week there to fuck and the fun part is that the security guy at the entrance was selling cocaine and was taking percentage from carding. Himself and the night club owner were sharing profits from my carding they knew and it was just fine. Please really dont post if you dont know what you're talking about tremendous faggots.
Natural selection @t3rdsamich...
What does that story prove? You are still a thief...
There is no way to talk sense into a crackhead tho
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i call bullshit because it's a law that american citizens get covered up to 250k in fraud whether it be bank or credit card and that's not supposed to affect your credit so either that story is bullshit or the guy is a fed trying to prevent credit fraud on sr
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Pretty sure the 250k your talking about is when a bank goes bankrupt and no longer have your funds, the government reimburses you. Could someone please confirm/deny this? Obviously there are laws about protecting consumers from fraud but i think your talking about something different.
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http://www.nclc.org/images/pdf/older_consumers/cf_credit_card_rights.pdf feds and stuff, I like it.
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Pretty sure the 250k your talking about is when a bank goes bankrupt and no longer have your funds, the government reimburses you. Could someone please confirm/deny this? Obviously there are laws about protecting consumers from fraud but i think your talking about something different.
Clearnet:
http://www.firstamericanstatebank.com/insured-deposit-fraud-protection
http://www.stmarysbank.com/member-services/fraud_information_center.asp
http://www.fdic.gov/consumers/theft/
And this IMO should clear everything:
http://www.fdic.gov/consumers/consumer/news/cnspr03/fedlaws.html
"Each depositor insured to at least $250,000 per insured bank"
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I still think your mistaken. Im pretty sure the financial institution takes the hit or the store will.
http://www.fdic.gov/deposit/deposits/dis/
doesnt talk about fraud at all.
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I still think your mistaken. Im pretty sure the financial institution takes the hit or the store will.
http://www.fdic.gov/deposit/deposits/dis/
doesnt talk about fraud at all.
"Your True Credit Card Fraud Liability
Not in this case. These policies are a scam, and you should say no. Companies marketing credit card loss protection insurance use scare tactics making you think you would be on the hook for all those fraudulent charges. The so-called insurance policies cost hundreds of dollars, yet federal law limits your fraud liability on credit cards to $50 per card before you report the credit card missing. And many cards have zero liability policies, so you owe nothing if your card is stolen."
from:
clearnet
http://www.forbes.com/sites/moneybuilder/2011/09/30/credit-card-fraud-protection-insurance-should-you-buy-it/
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Yes exactly its anything over 50 dollars it has nothing to do with the fdic or 250k. The financial institution takes the tab.
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Yes exactly its anything over 50 dollars it has nothing to do with the fdic or 250k. The financial institution takes the tab.
so the financial institution (who has insurance) is the victim, not the person whose account is getting frauded... right?
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Credit card corps have tried to pass off the fraud to the customer now. If your card is stolen and frauded it takes months to get refunded if they do so at all. Chip + Pin they will weasel out claiming it's your fault and won't pay up.
That said if you want dumps you need to go on Russian crime forums like thecc.bz or carderbase.su or google (tor) "carding forum" and take your chances. They all have terrible security because they aren't worried living in non extraditable countries, so it's crawling with secret service agents and informants passing 0day to each other. Only pay with bitcoins, don't use any jabber that's not .onion and enjoy ending up arrested because that game has sailed years ago.
You ca n easily get your own dumps. Moxie Marlinspike runs Mschapv2 VPN breaking. Find a restaurant using Windows VPN and break it, get inside and steal the database of cards they still hardly ever encrypt them.
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Credit card corps have tried to pass off the fraud to the customer now. If your card is stolen and frauded it takes months to get refunded if they do so at all. Chip + Pin they will weasel out claiming it's your fault and won't pay up.
That said if you want dumps you need to go on Russian crime forums like thecc.bz or carderbase.su or google (tor) "carding forum" and take your chances. They all have terrible security because they aren't worried living in non extraditable countries, so it's crawling with secret service agents and informants passing 0day to each other. Only pay with bitcoins, don't use any jabber that's not .onion and enjoy ending up arrested because that game has sailed years ago.
You ca n easily get your own dumps. Moxie Marlinspike runs Mschapv2 VPN breaking. Find a restaurant using Windows VPN and break it, get inside and steal the database of cards they still hardly ever encrypt them.
Thanks, where I am at the moment they'll let you go with a warning first time they catch you. It doesn't matter if you were arrested and did some time before FACT. + I can card watches which are pretty expensive
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http://sbinformation.about.com/lw/Business-Finance/Small-business-and-entrepreneurs/How-to-Reduce-Your-Risk-of-Credit-Card-Fraud.htm
"The explosion in credit card fraud is costing businesses more than consumers. Reason being is consumers enjoy plenty of built-in protections and legal remedies against of credit card fraud. Charges made on stolen credit cards held by individuals are routinely dismissed by credit card companies and consumer credit accounts can be shut down within minutes of a card holder having discovered a lost or stolen card. Unfortunately, someone has to pay -- and in this case, it's the merchants. Not only must they repay the credit card company for the cost of the goods fraudulently charged in the name of the swindled customer, but they also will be assessed a chargeback-related administrative fee by the credit card company and they likely will never be able to recover the contested merchandise. "
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it's a law that american citizens get covered up to 250k in fraud whether it be bank or credit card and that's not supposed to affect your credit
WRONG., WRONG, WRONG.
Totally, completely, utterly false.
I'm not gonna slam you too hard, because I realize you have zero experience in this area.
Most likely you are just repeating what you heard someone else say. Most people have heard similar statement before, and like you believe some variation of what you just said.
The problem with repeating this stuff is there is enough factual data to make it sound legitimate to someone else that doesnt quite know the facts.
Regardless of where the info came from, it is very bad info, and should not be repeated.
The "law" that you speak of is the part of a series of acts put into place after the great depression, to protect consumer deposits from loss due to a bank or credit union becoming insolvent, meaning they have less deposits and assets than they have in liability. the act provides protection of deposit, in other words CASH, through the establishment of FDIC, Federal Deposit Insurance Corp.
You are only protected if the bank become illiquid. There is no protection for theft or fraud or embezzlement.
For example--9/11, everyone ran to their bank to take out their money. This created a situation wIhere people were trying to take out more money than the bank actually has--they become illiquid and their assets get FROZEN over night. FDIC steps in, actually takes over the bank, and pays out the customers.
Problem is, most people think their money is in a big vault at the bank just waiting on them.
Not so--the only time your "money" is actually at the bank sitting in your account, is when its in CASH, in your checking or savings account.
BUT its NOT actually there if you have some sort of acct that is paying you interest-a money market, a CD, because the banks actually use YOUR money to lend out for car loans, short term signature loans etc.
Up until about 3 years ago, FDIC covered up $200k per account (only certain types), This was raised to $250 shortly after the madoff scandal--even though it didnt apply in that situation, since FDIC does not cover investments. These are covered by another type of insurance, called SIPC--but it is NOT required under any laws.
This is a group-type insurance that all major investment firms pay into, that protects their clients in the event of theft or fraud.
Contrary to common belief--there is NO protection from loss on your investments.
If you heard someone in line at wal mart talking about a company, and you buy some stock thinking you got a hot tip and the company goes broke a month later, you have lost your money. Period.
No one is responsible for this loss except you, and there are no laws that are somehow going to get your money back.
*unless there was fraud committed by the company that led to them going under--like accounting fraud, generating false reports, etc..think ENRON.
This IS against the law, and the govt will TRY to recover what they can for the shareholders.
Having said all that-
It needs to be said that this is ONLY APPLICABLE TO RESIDENTS OF THE US.
Other country's regulations and laws are completely different that ours.
These are very complex topics, and generally most folks dont understand how the facts apply to them.
They hear stuff, or read something, and even if they dont understand it they will make it "fit" to their situation or need at the moment.
this stuff can cause you some real nightmares if you dont know the fact.
In most cases, its just easier get help from someone that does it for a living....
Sorry, i got on a soap box and couldnt quit halfway through. Someone might take something i said incorrectly.
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guys, honestly I don't know if any of you have ever carded. I know for sure the shop owner gets his money. My way of carding does not involve items below 2k. There are established companies, many of them are fine with getting carded, they do get the money a bit later but they are selling 30K watches dont tell me the fat fuck with a 60K rolex will get affected and keep in mind that for that 60k watch he probably left few families in debt or ruined their lifes. I know what I'm talking about, I started carding in 2007.
Please dont tell me they struggle. History teaches us that the upper class takes all the money while they keep middle class keep fighting over pointless indoctrinated views on life. Us, the poor are there to scare the shit out of middleclass. My homecounty has been entierly sold.
No one seems to bother about that but when someone like me that wants to seal from people that have stolen from you, me, your parents, friends and close ones becomes the bad guy? Are you fucking serious?
It is common sense that if someone steals from your bank account the bank will cover the loos thats why you keep your money in bank for them to keep it safe. If they fail at keeping your money safe they'll give it to you. Please shut up and stop reading articles on the web against fraud. My moms card got cloned and they used 1.5K. They canceled everything and nothing really happend with her credit history and she havent lost one penny. It was a 5 mins conversations over the phone and it was all sorted.
So many timewasters on here...incredible
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If you're cashing dumps, you shouldn't be buying them either. A guy with a database of cards should be giving them to you and taking a percentage instead of selling them. Usually it's only middle men who sell dumps, guys who have bought secondhand frauded cards and they aren't worth shit.
That's why a lot of carding forums don't accept Bitcoin, because their profit margins are so small. They are buying from wholesaler A and middle-manning to buyer B. If price of Bitcoin fluctuates a dollar or so they lose their profit. If you were sniffing dumps and had thousands of them you wouldn't give a fuck about Bitcoin price fluctuation because your inventory is free in the first place.
The Romanian/russian and Azerbaijani fraud forums typically have job postings looking for cash out teams you shouldn't need to buy any cards if you're a reliable casher. I'm surprised this scam still works, usually easier to just rent a botnet and fish bank details, then use it to buy bitcoins and cash out. Of course there's a game on how you send a fraud wire to a bitcoin exchange or soft bank transfer, but it's still possible.
Those guy's selling counterfeit $100 USD, surprised they aren't running a whole network of bitcoin->mail cash cashout. Accept bitcoins ,send counterfeit money. profit. If somebody finds out make a new site.
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I don't hate on other peoples hustle to each his own. But people are right you never know how your going to affect people IRL and yea some may have insurance coverage to cover stolen cards and what not but they also have to go through a lot of crap before there able to get reinstated there money or have that taken of there credit report so it still affects people. If your going to steal at least have the balls to do it to there face instead of being a sneak thief.
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it's a law that american citizens get covered up to 250k in fraud whether it be bank or credit card and that's not supposed to affect your credit
WRONG., WRONG, WRONG.
Totally, completely, utterly false.
I'm not gonna slam you too hard, because I realize you have zero experience in this area.
Most likely you are just repeating what you heard someone else say. Most people have heard similar statement before, and like you believe some variation of what you just said.
The problem with repeating this stuff is there is enough factual data to make it sound legitimate to someone else that doesnt quite know the facts.
Regardless of where the info came from, it is very bad info, and should not be repeated.
The "law" that you speak of is the part of a series of acts put into place after the great depression, to protect consumer deposits from loss due to a bank or credit union becoming insolvent, meaning they have less deposits and assets than they have in liability. the act provides protection of deposit, in other words CASH, through the establishment of FDIC, Federal Deposit Insurance Corp.
You are only protected if the bank become illiquid. There is no protection for theft or fraud or embezzlement.
For example--9/11, everyone ran to their bank to take out their money. This created a situation wIhere people were trying to take out more money than the bank actually has--they become illiquid and their assets get FROZEN over night. FDIC steps in, actually takes over the bank, and pays out the customers.
Problem is, most people think their money is in a big vault at the bank just waiting on them.
Not so--the only time your "money" is actually at the bank sitting in your account, is when its in CASH, in your checking or savings account.
BUT its NOT actually there if you have some sort of acct that is paying you interest-a money market, a CD, because the banks actually use YOUR money to lend out for car loans, short term signature loans etc.
Up until about 3 years ago, FDIC covered up $200k per account (only certain types), This was raised to $250 shortly after the madoff scandal--even though it didnt apply in that situation, since FDIC does not cover investments. These are covered by another type of insurance, called SIPC--but it is NOT required under any laws.
This is a group-type insurance that all major investment firms pay into, that protects their clients in the event of theft or fraud.
Contrary to common belief--there is NO protection from loss on your investments.
If you heard someone in line at wal mart talking about a company, and you buy some stock thinking you got a hot tip and the company goes broke a month later, you have lost your money. Period.
No one is responsible for this loss except you, and there are no laws that are somehow going to get your money back.
*unless there was fraud committed by the company that led to them going under--like accounting fraud, generating false reports, etc..think ENRON.
This IS against the law, and the govt will TRY to recover what they can for the shareholders.
Having said all that-
It needs to be said that this is ONLY APPLICABLE TO RESIDENTS OF THE US.
Other country's regulations and laws are completely different that ours.
These are very complex topics, and generally most folks dont understand how the facts apply to them.
They hear stuff, or read something, and even if they dont understand it they will make it "fit" to their situation or need at the moment.
this stuff can cause you some real nightmares if you dont know the fact.
In most cases, its just easier get help from someone that does it for a living....
Sorry, i got on a soap box and couldnt quit halfway through. Someone might take something i said incorrectly.
okay. understood all that in regards to what the 250k thing was about. so now my question is, is there any protection against fraud? lets say you pass your card somewhere and it gets cloned, then someone takes money out of your account.. does the bank reimburse you or no?
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it's a law that american citizens get covered up to 250k in fraud whether it be bank or credit card and that's not supposed to affect your credit
WRONG., WRONG, WRONG.
Totally, completely, utterly false.
I'm not gonna slam you too hard, because I realize you have zero experience in this area.
Most likely you are just repeating what you heard someone else say. Most people have heard similar statement before, and like you believe some variation of what you just said.
The problem with repeating this stuff is there is enough factual data to make it sound legitimate to someone else that doesnt quite know the facts.
Regardless of where the info came from, it is very bad info, and should not be repeated.
The "law" that you speak of is the part of a series of acts put into place after the great depression, to protect consumer deposits from loss due to a bank or credit union becoming insolvent, meaning they have less deposits and assets than they have in liability. the act provides protection of deposit, in other words CASH, through the establishment of FDIC, Federal Deposit Insurance Corp.
You are only protected if the bank become illiquid. There is no protection for theft or fraud or embezzlement.
For example--9/11, everyone ran to their bank to take out their money. This created a situation wIhere people were trying to take out more money than the bank actually has--they become illiquid and their assets get FROZEN over night. FDIC steps in, actually takes over the bank, and pays out the customers.
Problem is, most people think their money is in a big vault at the bank just waiting on them.
Not so--the only time your "money" is actually at the bank sitting in your account, is when its in CASH, in your checking or savings account.
BUT its NOT actually there if you have some sort of acct that is paying you interest-a money market, a CD, because the banks actually use YOUR money to lend out for car loans, short term signature loans etc.
Up until about 3 years ago, FDIC covered up $200k per account (only certain types), This was raised to $250 shortly after the madoff scandal--even though it didnt apply in that situation, since FDIC does not cover investments. These are covered by another type of insurance, called SIPC--but it is NOT required under any laws.
This is a group-type insurance that all major investment firms pay into, that protects their clients in the event of theft or fraud.
Contrary to common belief--there is NO protection from loss on your investments.
If you heard someone in line at wal mart talking about a company, and you buy some stock thinking you got a hot tip and the company goes broke a month later, you have lost your money. Period.
No one is responsible for this loss except you, and there are no laws that are somehow going to get your money back.
*unless there was fraud committed by the company that led to them going under--like accounting fraud, generating false reports, etc..think ENRON.
This IS against the law, and the govt will TRY to recover what they can for the shareholders.
Having said all that-
It needs to be said that this is ONLY APPLICABLE TO RESIDENTS OF THE US.
Other country's regulations and laws are completely different that ours.
These are very complex topics, and generally most folks dont understand how the facts apply to them.
They hear stuff, or read something, and even if they dont understand it they will make it "fit" to their situation or need at the moment.
this stuff can cause you some real nightmares if you dont know the fact.
In most cases, its just easier get help from someone that does it for a living....
Sorry, i got on a soap box and couldnt quit halfway through. Someone might take something i said incorrectly.
okay. understood all that in regards to what the 250k thing was about. so now my question is, is there any protection against fraud? lets say you pass your card somewhere and it gets cloned, then someone takes money out of your account.. does the bank reimburse you or no?
The answer is...USUALLY, but its up to the card issuer.
If you catch it fairly quickly and report it, or if their fraud dept catches it and you cooperate, they normally will.
Most have a loss prevention dept that will interview you and try to figure out if you are involved. It all depends on the situation.
Each company has their own policy, and evaluate each case individually.
They are not required to do this, though.
-
it's a law that american citizens get covered up to 250k in fraud whether it be bank or credit card and that's not supposed to affect your credit
WRONG., WRONG, WRONG.
Totally, completely, utterly false.
I'm not gonna slam you too hard, because I realize you have zero experience in this area.
Most likely you are just repeating what you heard someone else say. Most people have heard similar statement before, and like you believe some variation of what you just said.
The problem with repeating this stuff is there is enough factual data to make it sound legitimate to someone else that doesnt quite know the facts.
Regardless of where the info came from, it is very bad info, and should not be repeated.
The "law" that you speak of is the part of a series of acts put into place after the great depression, to protect consumer deposits from loss due to a bank or credit union becoming insolvent, meaning they have less deposits and assets than they have in liability. the act provides protection of deposit, in other words CASH, through the establishment of FDIC, Federal Deposit Insurance Corp.
You are only protected if the bank become illiquid. There is no protection for theft or fraud or embezzlement.
For example--9/11, everyone ran to their bank to take out their money. This created a situation wIhere people were trying to take out more money than the bank actually has--they become illiquid and their assets get FROZEN over night. FDIC steps in, actually takes over the bank, and pays out the customers.
Problem is, most people think their money is in a big vault at the bank just waiting on them.
Not so--the only time your "money" is actually at the bank sitting in your account, is when its in CASH, in your checking or savings account.
BUT its NOT actually there if you have some sort of acct that is paying you interest-a money market, a CD, because the banks actually use YOUR money to lend out for car loans, short term signature loans etc.
Up until about 3 years ago, FDIC covered up $200k per account (only certain types), This was raised to $250 shortly after the madoff scandal--even though it didnt apply in that situation, since FDIC does not cover investments. These are covered by another type of insurance, called SIPC--but it is NOT required under any laws.
This is a group-type insurance that all major investment firms pay into, that protects their clients in the event of theft or fraud.
Contrary to common belief--there is NO protection from loss on your investments.
If you heard someone in line at wal mart talking about a company, and you buy some stock thinking you got a hot tip and the company goes broke a month later, you have lost your money. Period.
No one is responsible for this loss except you, and there are no laws that are somehow going to get your money back.
*unless there was fraud committed by the company that led to them going under--like accounting fraud, generating false reports, etc..think ENRON.
This IS against the law, and the govt will TRY to recover what they can for the shareholders.
Having said all that-
It needs to be said that this is ONLY APPLICABLE TO RESIDENTS OF THE US.
Other country's regulations and laws are completely different that ours.
These are very complex topics, and generally most folks dont understand how the facts apply to them.
They hear stuff, or read something, and even if they dont understand it they will make it "fit" to their situation or need at the moment.
this stuff can cause you some real nightmares if you dont know the fact.
In most cases, its just easier get help from someone that does it for a living....
Sorry, i got on a soap box and couldnt quit halfway through. Someone might take something i said incorrectly.
okay. understood all that in regards to what the 250k thing was about. so now my question is, is there any protection against fraud? lets say you pass your card somewhere and it gets cloned, then someone takes money out of your account.. does the bank reimburse you or no?
The answer is...USUALLY, but its up to the card issuer.
If you catch it fairly quickly and report it, or if their fraud dept catches it and you cooperate, they normally will.
Most have a loss prevention dept that will interview you and try to figure out if you are involved. It all depends on the situation.
Each company has their own policy, and evaluate each case individually.
They are not required to do this, though.
so the policy is up to their(the banks') discretion basically?