Credit Card Dump Frequently Asked Questions
A credit card dump is a digital duplicate of sensitive information from an active credit card’s magnetic strip that has been obtained without permission. The data may then be utilized to generate a counterfeit credit card. As credit card cloning, identity theft, and other forms of cybercrime have become more common, the phrase “credit card dump” has emerged from the underground and into the mainstream lexicon
How do Hackers Obtain Credit Card Databases?
The magnetic strip contains three distinct data tracks. The first recording contains credit card numbers, cardholder names, and expiration dates. The second track can contain credit card details, including the expiration date. The third portion contains details on consumer loyalty programs.
Criminals frequently use credit card skimmers to obtain credit card data dumps. There is a chance that skimming devices will be put into existing credit card swipe machines, including those seen at ATMs and gas pumps. When a customer swipes their credit card through the skimming device, it collects data from the magnetic strips on the card. Another method to gather credit card dumps is to hack a retailer’s credit card terminals or infect their computers with malware.
If your credit card data is taken, you can survive with very little financial harm. According to a 2012 Forbes.com report, a 19-year-old man exchanged 15 credit card dumps for a DSLR camera and $250 in cash. The overall cost of buying 10 garbage cans was about $25. This is a little price to pay considering the damage a credit card thief may cause before the card issuer or cardholder become aware of it.
How does a Cloned Credit card work ?
Credit Card Dumps are used by carders to clone real cards and then use the clones as genuine ones. So, those clones are duplicates of the real cards and can be used as real cards. How is it possible?
The answer is Dump!
The dump is bank data connected to a bank account and encoded into the magnetic strip of the bank card. So each card is attached to a bank account. The card is a terminal that allows the account owner to access his account fund without the necessity to walk into the bank. Cards can be used with ATMs or POSs, this is also bank terminals. So if someone gets access to the information stored in the magnetic strip of the card then he has full access to the owner’s card account and the money saved in it.
How does Credit Card Top Up work?
The theft of a dump from the card is not difficult. Skimming, sniffing, or hacking are methods for obtaining dumps. As a result, every time someone uses their card to make a purchase, they run the danger of having their card information stolen.
What are Credit Card Dump Tracks? – Track 1, 2, and 3
The standard track 3 for bank dumps exist, but if any one of them is accurate and there are enough cash in the account, the card can be used and the requested transaction can be approved.
The name of the card’s possessor appears only on Track 1 of the card. In order to match the name on their phony IDs or the name engraved on the plastic, carders used to modify the name from the track.
This track is written with code known as odd parity or DEC SIXBIT.
Track 1 format is.
B5466160081187237^SHORT/JAMES D ^140910100000023001000000415000000
START SENTINEL = is 1 character, usual %
FORMAT CODE = a single character, financial cards format code is B
PRIMARY ACCOUNT NUMBER (PAN) = usual is the card number, but not always
FIELD SEPARATOR = financial cards use a single symbol for it which is ^
NAME OF CARD HOLDER = contain 2 until 26 characters
FIELD SEPARATOR = symbol for it is ^
EXPIRE DATE = in format YYMM (year, month)
SERVICE CODE = three characters
DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV.
END SENTINEL = is 1 character, usual?
Track 2 is the track developed by the banking industry and it is a most important track of a dump. Almost all dumps will work if this track 2 is correct. It is written with a 5 bit-scheme, 4 data bits, and 1 parity. This track data format is
START SENTINEL = is usual 1 character;
PRIMARY ACCOUNT NUMBER (PAN) = usual the card number
SEPARATOR = usual symbol = is used
EXPIRE DATE = in YYMM format
SERVICE CODE = a three digits code
DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV
END SENTINEL = usual the symbol?
Track 3 is virtually unused by the major worldwide networks. It was developed by Thrift Saving Industry. Points Of Sales does not read this track.
What is a Card Service Code?
The card service code is a 3 digits code present in both track 1 and tracks 2. Each of the 3 digits of the code has a meaning and reading these digits together as a service code let us know where and how the card can be used.
If the first digit is:
1-card is for international use
2-card is for international use but has a chip
5-card is for national use
6-card is for national use but has a chip
7-card is not good for interchange except for bilateral agreements
If the second digit is:
0-card is normal, without restriction
2-issuer must be contacted via online means
4-issuer must be contacted via online means except under bilateral agreements
If the last digit is:
0-no restriction but a PIN is required
2-card can be used for goods and services payments but not for cash
3-ATM use only, PIN is required
5-card can be used for goods and services payment but not for cash but PIN is required
6-no restrictions, PIN should be used where is feasible
7-card can be used for goods and services payment but not for cash but PIN should be used where is feasible
Therefore, all the information needed to access and use a bank account linked to this card is included on the card’s magnetic strip or chip. If a card’s magnetic strip was copied, the copyist may use an MSR, or Magnetic Strip Reader-Writer, to transfer the card’s data to another card and use the copied card in place of the original.
If you think it’s difficult to copy the magnetic strip on a card, you should know that all it takes for carders to obtain the information from a legitimate card and gain access to the account of the card owner is a quick swipe at a tiny MSR or in a corrupted POS. Therefore, starting a business is simple.
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