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DIY Credit Cards
Over the last few years, if you’ve been following the Frequency-X blog, you’ve probably gained a fair understanding of the mechanics behind Internet-based credit card cloning and fraud.
All the components needed to conduct this particular crime can be easily uncovered through a little searching of the Internet.
A simple search through discussion forums for the terms “mastercard”, “visa” or “CVV” will reveal plenty of postings made by sellers and traders of stolen credit card details – along with their prices and contact information.
For example, the following post (and minor variations of it – typically with different contact details) can be found on over 1140 Web sites (according to Google).
For example, the posting below is common and can be found on multiple Web sites. In fact, just doing a search for some of the credit card numbers listed in that one post revealed that each card could be found on close to 200 different sites – and those are just the ones that allow the search engines to crawl them.
With a physical card it become possible to withdraw untraceable cash or purchase goods directly from a store (and not need to provide a delivery address – as you typically would for “card not present” purchases).
Magstripe encoders (necessary for programming the magnetic information stored on an existing credit card) are easy to get hold of and can be purchased online for a few hundred dollars (including postage and packaging).
Simple plastic card printers are also relatively cheap and plentiful…
But perhaps the hardest part to faking a credit card for use “in store” is the little hologram on the front that most cards now include – designed as an anti-tampering device as well as validation that the card is not a simple photocopy or printer clone.
Unfortunately those little holograms, containing the Visa dove (or perhaps it’s a pigeon?) or the Mastercard map of the globe, can also be purchased with relative ease via mail order.
The costs vary (don’t they always) but one recent posting was asking $400 for 100 hologram sheets (discounted down to $1300 for 500) along with a few snapshots of their quality and usage.
Finally, a quick search of the web will reveal some manufacturers of the credit card hologram stickers (or heat transfers). For example, the following image shows a China based hologram printing company offering Visa card stickers for as low as 0.5 cents each (with a minimum order quantity of 1000 – and a 10 day delivery).
That said, I wonder how easy it is to get hold of blank/reprogrammable cards with chips already? Sadly, probably not that difficult, and likely to be easier as time goes by and the technology become more pervasive.