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Chapter 4 - Why CC's are for sale
When I first started out with credit card fraud I would always think to myself why the fuck are these people selling stolen credit card information and not using it for themselves?! Well it came pretty clear once I started working in and out of different hacker circles and learning more on such inner working things.
People specialize in different things, and that goes for criminals too.
Some hackers are able to compromise a website and instead of defacing the website with some Iranian political bullshit they install a JavaScript Skimmer to the checkout portion of the website and capture a fuck ton of CCs.
Today people are still installing physical skimmers on various Point-Of-Sale (POS) devices all over the world from gas stations, grocery stores, and whatever else they can get their paws on. However, as you read from the articles above the modern age is here and most groups selling these CCs have installed JS skimmers to gleam their information for sale. If you're wanting to learn a little more about JS skimmers check out the article below
The point is once you start to get an absurd amount of CCs in your possession it's just too many to manage so most people branch out and begin to sell them to others to make a little more money. There's nothing wrong with doing that but when you're purchasing stolen credit cards you want to get fresh data and make the right connections with the sellers.
All hackers and fraudsters have their hands in so many honey jars trying to make the most money. A hacker who compromises a company and steals 5,000 credit card numbers doesn't have the time or desire to use them all. At the same time, there are organized groups who specialize in buying stolen credit cards and making money from them but lack the skills to hack a company to get their own. It's really just a beautiful supply chain just like any other business has.
Also, people live in different places all over the world so if I've hacked a company in the US and have a bunch of American credit cards I can't really use them in my area so I might opt to sell them instead.
Everyone is selling whatever they're able to in order to maximize their income. It's much easier to sell the stolen credit card data you have at a fixed amount and move onto your next hack then it is to use them yourself.
It all depends on where you are in the supply chain which will dictate what you do with that type of data but most opt to sell. When buying CCs you want to purchase them from reputable places and people. Once you've purchased the stolen CC data you should use them ASAP. Do not buy them and sit on them for weeks as that would be stupid.
Having a proper source for your CC's is obviously crucial to success. That being said once you start purchasing stolen credit cards you soon realize you're at the mercy of the sellers. Are the CCs fresh? Are they already used? How the fuck do you know?
This is why it's important to develop a plan to rely on yourself and getting your own CCs. When I started out I was getting them from another hacker friend of mine and realized it was difficult to rely on randoms that the information you're purchasing is valid and usable. Nothing more fucking annoying then purchasing CCs and going to use them but nothing is working. Fucking failure mans. It's part of the Carding game we all know and love (hate).
As you're going to learn it's better to know how to obtain your own CCs and rely on yourself only. Even if you're obtaining 1-2 CCs a week that's all you really need to get your feet wet. As you begin to master your techniques on obtaining CCs you don't need to go fucking nuts and collect a billion of them. In fact, you don't need that many to keep yourself going and raining in profits.
What's better? Purchasing 20 stolen CCs that you have no clue how they were obtained, are they already burned, or the many other reasons why we fail OR taking the time to obtain 3-5 CCs a week/month and running solo? How do you want to operate is the question?
For me I realized I want to rely on myself and myself only. When I wanted more CCs I would launch my CC collecting operation and be the fuck on my way. This is what I recommend to you but you do whatever you think is best for yourself and your operations.
Tested and reputable CC sellers can be found in The Armory. If you're wanting to learn how to obtain your own CCs like I did and keep your operations humming along running solo you'll learn how to do this. Let's keep building DAT knowledge first.