Credit Cards vs. Charge Cards

N.A.R.C. Information File #7

eZine lover (@eZine)

Published in 

NARC

 · 11 Aug 2022

N . A . R . C .

Infofile # 7

by Htaed

Table of Contents

• I. Preface
• II. Credit Cards vs. Charge Cards
• III. Types of Cards
• IV. Mail order companies
• V. VISA bank numbers
• VI. Mastercard
• A. Bank Numbers
• B. Bank Id numbers
• VII. American Express
• VIII. Conclusion

I. PREFACE

This is my first infofile as a N.A.R.C. member. For those of you who have read "Getting Serious about Carding by Optical Illusion", this is a somewhat a continuation of things you need to know about carding which Optical Illusion did not cover. In this file, we'll try to cover the aspects of the use (or shall we say misuse) of a credit card, strategies mail order companies keep us from getting away with carding, and a list of bank id numbers with their banks.

II. CREDIT CARDS versus CHARGE CARDS

Many people have the misconception that all cards are credit cards. This is of course not true. For example, American Express is a charge card and not a credit card. American Express is a charge card since the owner of the card must pay off the whole amount when his bill comes. If the owner doesn't, he or she is in serious shit. One thing good about the American Express is that it has no limit on how much the person can spend as long as the person can pay off the bill when it comes. Basically, the card is based on the person's good judgement on how much money the person have. Why is there American Express Gold and regular American Express cards then? It still has a hidden limit which you cannot buy a Corvette ZR-1 with a regular American Express. You could however do it with a American Express Platinum (if you can find one to abuse). This means you can buy more expensive things at one time with a Gold or Platinum card. Credit cards have a set limit after you you apply for the card. Usually a Classic Visa has about $700 plus or minus $100. Mastercard on the other hand has about $1000 limit on it.

III. TYPES OF CARDS

        Credit Cards                          Charge Cards 

        VISA                                  American Express 
        Mastercard                            American Express Optima 
        Discover                                               Gold 
                                                               Platinum

Here's a couple type of cards I do not know what category they fall into since they are never accepted by mail order companies. One of them is Diner's Club International and the other is Carte Blanche.

      Bank name                                Bank name 
 _______________________________          _______________________________ 
|                      |        |        |                      |        | 
|  BANK of N A R C     | V I S A|        |  BANK of N A R C     | V I S A| 
|                      |________|        |                      |________| 
|                      |        |        |                      |        | 
| 4000  123  456  789  |hologram|        | 4000 0123 4567 8910  |hologram| 
|                      |________|        |                      |________| 
|   00/00    00/00 CV  |   ___  |        | 00/00/00  00/00/00 PV|   ___  | 
|                      |  //    |        |                      |  //    | 
|  John Doe            |  XX__  |        |  John Doe Jr.        |  XX__  | 
---------------------------------        --------------------------------- 
                            ^                                        ^ 
                            |________________________________________| 
VISAs are grouped either                         | 
in 4XXX XXX XXX XXX or                           | 
   4XXX XXXX XXXX XXXX.                   This is either a C or a P. 
The  2 groupings used are different for       C for Classic (regular) 
each bank. There are banks'                P for Preferred (better, much better) 
preferred cards that are group in 
4 3 3 3. 

 
 _______________________________ 
|                               | 
|                               | 
|  B A N K   of   N.  A.  R.  C.|      All Mastercards are 12 digits grouped 
|_______________________________|      in blocks of four digits each. 
|                           ___ | 
|  5000  1234  4567  8910  /   X| 
|                          |M C|| 
|                          |M C|| 
|   Joe Card Alot          X___/| 
--------------------------------- 
    | 
  1234 is the bank id number. 
  The bank may have more than one id number for 
  their 5000 XXXX XXXX XXXX series cards.

IV. MAIL ORDER COMPANIES

Most of the mail order companies will accept Visa or Mastercard. Some will also accept American Express and Discover. These mail order companies check the card by either calling into a TRW center to check if the amount of the order will exceed the limit. In either case of a approval or declining, the mail order companies will call you back to check with you the order you have placed. Anyways, a way of finding a valid card is to call a credit approval system yourself. Here's some ways of checking:

     (1) 
           1-800-554-2265 for check Mastercard or Visa 

                for mastercard   10#1067#24#CARD#EXP#XX*XX# 

                for Visa         20#1067#24#CARD#EXP#XX*XX# 

               - 10 and 20 are for the type of cards 
               - 1067 is the bank id number 
               - 24 is the merchant number (52 will also work) 
               - EXPiration must be in the form of 0291 for feb of 1991 
               - XX*XX is the amount. Use a small number like 
                 11*04 for $11.04.

Another way mail order companies verifying cards is to call the bank of the card and verify the name of the person and the billing address versus the name you gave the mail order companies and the address (drop site). So the only way of getting pass this is to have the stuff sent to the person's address or getting the waybill number from the mail order houses and intercept the package at the UPS or Federal Express office before the package arrive's at the card owner's address.

V. VISA BANK Numbers

4428  Bank of Hoven 
4128  Citibank           CV 
4271  Citibank           PV 
4929  Barclay Card       CV  (from England) 
4040  Wells Fargo        CV 
4019  Bank of America    CV 
4024  Bank of America    PV 
4019  Bank of America    Gold (This card looks like a CV but without a CV after 
                                the expiration date) 
4678  Home Federal 
4726  Wells Fargo        CV 

4036 
4561 
4443 
4833 
4070 
4735 
4673 
4044 
4050 
4226 
4605 
4923 
4820 
4048                     CV 
4121

VI. Mastercard

A. BANK NUMBERS

5419  Bank of Hoven 
5410  Wells Fargo 
5412  Wells Fargo 
5273  Bank of America             Gold 
5273  Bank of America 
5254  Bank of America 
5286  Home Federal 
5031  Maryland of North America 

5326 
5424 
5250 
5417 
5215 
5204 
5411 
5421 
5329 
5308 
5217 
5415

B. BANK ID NUMBERS

5410  Wells Fargo      -- 1037 
5410  Wells Fargo      -- 6785 
5419  Bank of Hoven    -- 1933 
5410  Wells Fargo      -- 6037 

5204                   -- 1006 
5250                   -- 1260 
5215                   -- 6207 
5424                   -- 1065 
5411                   -- 1169 
5421                   -- 2143 
5417                   -- 1786 
5417                   -- 1711 
5415                   -- 1530

VII. AMERICAN EXPRESS

3728      GOLD 
3713      Regular 
3732      Regular 

3737 
3782 
3731 
3724 
3742 
3727 
3787 
3726 
3766 
3734 
3749 
3763 
3710 
3718 
3720 
3739

VIII. CONCLUSION

Well this comes to an end of this N.A.R.C. file. If you know any more Bank Id#'s and the first four digits to which issuing bank which are not listed above, please contact me (Htaed) at Nuclear Wasteland or at Critical Condition. If you also know what bank owns which numbers, also contact me. What I really want is the small banks that issues cards' numbers like Brookside Savings with like only two branches offices.

                                        __ _   __ 
  ( c )  N.  A.  R.  C.  1989      /| //_//_> / 
                                  / |// // X /__

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