Credit Cards vs. Charge Cards
N.A.R.C. Information File #7
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 continuation 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
PlatinumHere'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
4121VI. 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
5415B. 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 -- 1530VII. AMERICAN EXPRESS
3728 GOLD
3713 Regular
3732 Regular
3737
3782
3731
3724
3742
3727
3787
3726
3766
3734
3749
3763
3710
3718
3720
3739VIII. 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.
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( c ) N. A. R. C. 1989 /| //_//_> /
/ |// // X /__< = = = E O F = = = >
