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Introduction to Cards (СС/“Cardboard”)This section provides an overview of credit cards—referred to as СС or “cardboard” in industry slang—and their use in fraudulent activities. The content focuses on types of cards, levels, methods of acquisition, and best practices in leveraging stolen card data.
The term СС typically refers to stolen credit card information and is a fundamental element in the fraud landscape. This chapter offers insights into how these cards are classified, used, and validated within fraudulent operations.
1. Types of CardsUnderstanding the differences between card types is critical for determining their utility in fraud scenarios.
Credit Cards (Credit)• Function: Allows the cardholder to make purchases on credit, borrowing from the issuing bank.
• Credit Limit: Pre-set by the bank based on the user’s creditworthiness.
• Fraud Note: These are commonly targeted due to their higher available balances and borrowing potential.
Debit Cards (Debit)• Function: Linked directly to the cardholder’s bank account. Transactions are limited to the available balance.
• Fraud Note: Generally carry lower balances and stricter verification systems (AVS, 2FA).
Prepaid Cards (Prepaid)• Function: Loaded with a fixed amount. Not tied to a personal bank account.
• Anonymity: Often non-personalized and used for anonymity in transactions.
• Fraud Note: Easier to use in certain platforms due to lack of personal identifiers.
2. Card Levels and TiersCard levels often indicate the status of the cardholder and determine credit limits, fees, and perks. Higher-tier cards typically offer better fraud opportunities due to their elevated limits.
Card Levels Include:
• Classic (Standard): Lower limit (e.g., $1,000)
• Gold: Mid-tier with limits up to $5,000
• Platinum: Higher limits, often exceeding $10,000
• Black (Elite): Exclusive cards with ultra-high limits (American Express Black, Visa Infinite, etc.)
Fraud Note:
Cards of Gold level and above are recommended for operations, as they offer higher spending thresholds and are often less scrutinized on high-ticket purchases.
3. Recommended Card Types for Fraud WorkTarget Cards
• Gold
• Platinum
• Signature
• World
• Black
Black-tier cards are rare but represent the highest value due to enormous spending limits and VIP-level customer service, which can delay fraud detection.
Card Issuers
• American Express (AmEx)
• MasterCard
• Visa
Each issuer brands its high-end cards differently but offers similar advantages in terms of fraud potential.
4. High-End Credit Cards by IssuerAmerican Express (AmEx)
• Black Card (Centurion)
• Invite-only, associated with ultra-wealthy individuals.
• High status minimizes transaction scrutiny.
MasterCard
• World Signia / World Elite
• Embossed signatures and high limits make them ideal for high-value transactions.
Visa
• Infinite / Black Cards
• Enhanced security, but limits can reach or exceed $100,000.
5. Format of Stolen Credit Card Data (СС Dumps)Stolen card data is typically presented in a standard format for ease of use.
Example data set:
4306651004564350 | 10/10 | 826 | Richard Lang | 56 Groveview Cir | Rochester | 14612 | NY | USA | 661-298-0881
Data Fields Breakdown
• 4306651004564350: Card number
• 10/10: Expiration date (MM/YY)
• 826: CVV/CVV2
• Richard Lang: Cardholder’s name
• 56 Groveview Cir: Street address
• Rochester, NY 14612 USA: City, State, ZIP, Country
• 661-298-0881: Phone number
Fraud Note:
The fullz (full information) package increases transaction success rates, especially for card-not-present (CNP)transactions.
6. Bank Identification Number (BIN)Definition:
The first six digits of a card number are the BIN.
• Identifies the issuing bank
• Determines card type and country
• Critical for choosing the right transaction channels
Fraud Note:
Knowledge of BIN ranges helps in selecting compatible merchants and bypass AVS or fraud filters.
7. Card Validation MethodsCheckers
• Online tools used to validate cards.
• They confirm if a card is live and funded.
•
Overuse can flag or kill the card (especially with U.S. cards).Manual Checking
• Safer alternative to automated checkers.
• Direct phone calls to the issuing bank (spoofed).
• Validate balance, limits, and status without tripping automated alerts.
8. Importance of Billing Information (AVS)Billing Address Role
• AVS (Address Verification System) checks the billing address during CNP transactions.
• Mismatches can decline the transaction.
Fraud Note:
Ensure accurate billing address matching for platforms with strict AVS enforcement (e.g., e-commerce, travel bookings).
9. Best Practices in Card Fraud OperationsDue Diligence on Victims
• Verify cardholder identity (e.g., Google search: “John Woods 18462”)
• Confirm business legitimacy when using business cards (higher limits, reliable addresses).
Focus on Business Cards
• Consistent billing addresses
• Higher credit limits
• Lower fraud detection risk compared to personal cards
Operational Workflow for Card Fraud- Obtain Quality Fullz Data
- BIN Lookup and Validation
- Choose Appropriate Merchants
• Example: High-end cards on luxury merchants
- Transaction Phases
• Gradual increase to high-ticket items
- Payout and Conversion
• Crypto purchases
• Resalable electronics
Example Card Tiers and Credit Limits| Card Type | Typical Limit | Notes |
|---|---|---|
| Classic | $500 – $1,000 | Entry-level, low spend limits |
| Gold | $5,000 – $10,000 | Mid-tier, business-focused |
| Platinum | $10,000 – $50,000 | High-tier, flexible limit expansion |
| Black / Centurion | $50,000+ | VIP-exclusive, minimal fraud alerts |
Glossary of Terms| Term | Definition |
|---|---|
| СС / Cardboard | Stolen credit card data |
| Fullz | Complete identity profile of a cardholder |
| BIN | Bank Identification Number (first 6 digits of the card) |
| AVS | Address Verification System used for verifying billing addresses |
| Drop Account | A bank or merchant account under fraudster control |
| Self-Reg | Self-registered accounts with full access for fund movement |
ConclusionThis chapter outlines critical knowledge for understanding, acquiring, and leveraging stolen credit card data (СС) for fraudulent transactions. From types and tiers to verification methods and best practices, mastering these fundamentals is essential for operational success.
Legal Disclaimer:This information is for educational purposes only. Unauthorized use of stolen data is illegal and unethical.
