1. Introduction
So I decided to create a guide for some new people getting into the game since a lot of guides currently out there are good, but lack up to date tricks and secrets to work in 2015. The basis of the guide will cover on how I used to have the bank ship me actual credit cards of cardholders which I would then unlock for the full amount upwards of 60k in one swipe at rolex and apple. I have since left this method about 2 years ago since it became increasingly harder to do with less success. But I am still aware of certain people doing it with newer improvisation to this day. I wont go into detail on obtaining certain items, a lot of them are for sale by vendors on this forum. So lets get started.
2. What you need.
The bare essentials I used to work with were, Full+ MMN info (excluding CC info) Credit report of the person. And any background information that you can pull on the intended target. You will also need a drop. And a throwaway phone (You weren't going to call the bank with your phone were you?).
3. Calling the Bank
So you got your info pulled up on your computer and ready to roll. Go ahead and look through the credit report. It will show trunctured accounts with limits on credit cards and sometimes infinite limits. Now time to call that respective bank. Drive to an empty parking and get ready to call (cell phone triangulation is very real). As you call a bank it will ask you to input CC number, just hit "0" 4 to 6 times to take you to an operator. Once an operator picks up they will ask for the cc number. This is where social engineering comes into play; Say you threw it away already or you left it at the office.. etc. They will say no problem. Can I have your SSN? you tell them the SSN and then you are in the account. First thing to do is change the phone number on file to your drop phone. Then proceed to ask for an authorized user to be put on the card. Or you can request a replacement card. I prefer the first option since it dosent mess with the cardholders current card. Do not forget to mention that you are very short on time and it is important to have overnight delivery of the card (you need this). Once you are pretty much done with the ordering of the new card you are almost finished!
But wait, here comes the security questions... Don't be deterred, I have their tricks for you. 90% of the time the bank will ask a series of 3 questions from public data/credit report. Here is the catch. ONE OF THESE QUESTIONS IS FAKE. Usually they will ask for previous address (on credit report.) Mortgage (on credit report) or who you're checking account is to make payments to card (usually same as home loan provider on credit report). Lastly, the fake question. Usually this question is so out of this world.. Like: when did you live with (name of person). Stuff that wont be on the credit report. they will list you answers A through D. the answer to this question is E, none of the above. But they don't mention this to you in hopes that the real cardholder would only know this . And after that you are home sweet home.
It is important to undertake a kind of persona with support. you can be a major asshole. Or show extreme gratitude, ask for their supervisors email so you can submit a good review for their promotion. (make them feel good about what they are doing). I prefer the latter, people love being praised.
4. Collecting the card
Gone are the days of shipping to drops. If you were able to do this, you must have been very lucky. Now days its going to the cardholders address. No problem, there are some methods that can help with this. usually the card will come in 2 days from when you requested, and the tracking will be up within one day. call back the bank the next day so you can track the package. Sometimes, you can call usps, or ups, or fedex and reroute packages or have them hold them at the office and use a fake ID to pickup if your social engineering is good enough that is. otherwise look into other avenues, I was able to register through UPS mychoice and reroute before it closed that option with banks packages.
More than likely you will have to social engineer by standing outside the targets house waiting for the package to show up. (yes you need balls). Normally you can play off the homeowner and the driver will hand it straight to you.
Anyways, its your job to be creative with this.
5. Go shopping
Now you can go on your shopping spree once activated, Usually the card will experience some Hold/calls for irregular activity. Just repeat calling the bank and going through security questions to unlock the full amount of the card.
So I decided to create a guide for some new people getting into the game since a lot of guides currently out there are good, but lack up to date tricks and secrets to work in 2015. The basis of the guide will cover on how I used to have the bank ship me actual credit cards of cardholders which I would then unlock for the full amount upwards of 60k in one swipe at rolex and apple. I have since left this method about 2 years ago since it became increasingly harder to do with less success. But I am still aware of certain people doing it with newer improvisation to this day. I wont go into detail on obtaining certain items, a lot of them are for sale by vendors on this forum. So lets get started.
2. What you need.
The bare essentials I used to work with were, Full+ MMN info (excluding CC info) Credit report of the person. And any background information that you can pull on the intended target. You will also need a drop. And a throwaway phone (You weren't going to call the bank with your phone were you?).
3. Calling the Bank
So you got your info pulled up on your computer and ready to roll. Go ahead and look through the credit report. It will show trunctured accounts with limits on credit cards and sometimes infinite limits. Now time to call that respective bank. Drive to an empty parking and get ready to call (cell phone triangulation is very real). As you call a bank it will ask you to input CC number, just hit "0" 4 to 6 times to take you to an operator. Once an operator picks up they will ask for the cc number. This is where social engineering comes into play; Say you threw it away already or you left it at the office.. etc. They will say no problem. Can I have your SSN? you tell them the SSN and then you are in the account. First thing to do is change the phone number on file to your drop phone. Then proceed to ask for an authorized user to be put on the card. Or you can request a replacement card. I prefer the first option since it dosent mess with the cardholders current card. Do not forget to mention that you are very short on time and it is important to have overnight delivery of the card (you need this). Once you are pretty much done with the ordering of the new card you are almost finished!
But wait, here comes the security questions... Don't be deterred, I have their tricks for you. 90% of the time the bank will ask a series of 3 questions from public data/credit report. Here is the catch. ONE OF THESE QUESTIONS IS FAKE. Usually they will ask for previous address (on credit report.) Mortgage (on credit report) or who you're checking account is to make payments to card (usually same as home loan provider on credit report). Lastly, the fake question. Usually this question is so out of this world.. Like: when did you live with (name of person). Stuff that wont be on the credit report. they will list you answers A through D. the answer to this question is E, none of the above. But they don't mention this to you in hopes that the real cardholder would only know this . And after that you are home sweet home.
It is important to undertake a kind of persona with support. you can be a major asshole. Or show extreme gratitude, ask for their supervisors email so you can submit a good review for their promotion. (make them feel good about what they are doing). I prefer the latter, people love being praised.
4. Collecting the card
Gone are the days of shipping to drops. If you were able to do this, you must have been very lucky. Now days its going to the cardholders address. No problem, there are some methods that can help with this. usually the card will come in 2 days from when you requested, and the tracking will be up within one day. call back the bank the next day so you can track the package. Sometimes, you can call usps, or ups, or fedex and reroute packages or have them hold them at the office and use a fake ID to pickup if your social engineering is good enough that is. otherwise look into other avenues, I was able to register through UPS mychoice and reroute before it closed that option with banks packages.
More than likely you will have to social engineer by standing outside the targets house waiting for the package to show up. (yes you need balls). Normally you can play off the homeowner and the driver will hand it straight to you.
Anyways, its your job to be creative with this.
5. Go shopping
Now you can go on your shopping spree once activated, Usually the card will experience some Hold/calls for irregular activity. Just repeat calling the bank and going through security questions to unlock the full amount of the card.
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