
                        -------------------------------

                        *  H  O  W  *  T  O  .  .  .  *

                        -------------------------------


DISCLAIMER: If you pardon me, ma'am...  This  practice  is not to be encouraged
            amongst your loyal subjects,  because  it  contravenes  the laws of
            your kingdom, ahem.. queendom,  and  it  is  inadvisable  to try it
            oneself, as one might find policemen  telling oneself to haul one's
            annus horriblis into "the car", as it were.

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           U.K. CREDIT CARD FRAUD - 22/10/90 - Written by CREDITMAN


U.K. credit card fraud is a  lot   easier   than  over in the States.  The same
basic 3 essentials are needed -

            1... A safehouse.
            2... Credit card numbers with Xp date and address.
            3... Good suppliers of next day delivery goods.

1...    The Safehouse. The safehouse should be  on  the ground floor, so as not
        to piss off the delivery man when  he  comes  to  drop off your freshly
        stolen gear. If he has to go up 10 flights in  a complete dive and some
        14 year old kid signs for an  A2000  then he's gonna wonder!  Make sure
        there are no nosey neighbours, a good area is one  full of yuppies 'cos
        they all go to work during  daytime.  Safehouses  are  usually obtained
        by paying a month's rent in  advance  or  putting  down  a  deposit  of
        say, 200. Either that or break into a place and use that.

2...    Credit Card Numbers. The card  number,  expiry  date,  start  date  (if
        possible), full name (including middle  inital),  phone number and full
        address with postcode are ideal.  If  you can  only  get  the  sirname,
        and no postcode, you shouldn't  have  any  real hassle.  Just  say  you
        moved recently to your new address.  Phone  number is handy, if it just
        rings and rings but if it doesn't, then make  sure  it's  ex-directory.
        You CANNOT get away with giving  them  a bullshit  phone  number.  Some
        fussy companies want phone  numbers  just  to  cross-check  on  CARDNET
        but generally it's not needed.  To recap, here's a quick check-list...


            1. Card number and Xpiry date.
                2. Name and address of card holder.
                3. First name/initials (OPTIONAL)
                4. Start date (OPTIONAL)
                5. Postcode (OPTIONAL)
                6. Phone number (OPTIONAL)

        If you have all 6, then you   shouldn't have any hassle.  Start date is
        the rarest item you could  be   asked  for,  postcode and initals being
        more common.  If you are missing 3-6  then you need one helluva smooth-
        talking bastard on the phone line!!!!

3...    The Ordering. Not everyone can order 1000's of stuff  - it's not easy.
        You have to be cool, smooth  and   have   some  good  answers  to their
        questions.  I advise that you only order  up  to 500 worth of stuff in
        one go, but if you have details  1-6  and  the phone number will NOT be
        answered from 9- 5.30 P.M. then  go  up  to  1000  (make  sure  it's a
        GOLD card!).  When getting ready to order  make sure you  have at least
        3 times the amount of  suppliers  you  need  e.g.if  you want to card 5
        hard-drives, make sure you have 15 suppliers.  A lot of  the time, they
        are either out stock, can't do next  day delivery or won't deliver to a
        different address. Quick check list of what you must ask before handing
        over number -

            1. Next day delivery, OK?
            2. Ordered to different address to card, OK?
            3. Do you have item in stock (pretty obvious, eh?)

        Make sure you ask  ALL  of   these  questions  before handing over your
        precious number.

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                                  Excuses...


Usual excuses for a  different  address   are   that  it's  a present or you're
on business here for the  next  5  weeks etc.  Any old bullshit why it won't go
to the proper address.

                  WARNING! ******* Invoices! ******* WARNING!

Invoices are sometimes sent out   with   the   actual  parcel but they are also
sent out to the  card  owners  (why  do  you  think they need the address for?)
so using a safehouse for more than 2 days  is  risky.  A 1 day shot is safe, if
they catch  on then they'll stop the goods before getting a search warrant.


                               Credit Limits...

Limits on cards reach from 500  to   4000  on  Gold cards.  Your average card
will be about 1000-1500.  It takes  a  while to build up a good credit rating
in order to have large   limits  so  don't  think  every  card will hold 12 IBM
386's!  Visa  and  Access  are always used - American Xpress etc. are USELESS.

        Access  = Eurocard, Mastercard (begins with 5)
        Visa    = (begins with 4, 16 digit is a Gold)

A general rule is, always  confirm  an  order  to  make sure credit is cleared.
As the month goes on, credit is  used  up  -  the bad times are from 27th - 3rd
which is  when  all  the  bills come in.   Best  time to card is around 11th or
12th, when  the  poor guy has paid off  his  last  bill so you can run up a new
one (he, he, he!).


                            Ideal items to card...

The best stuff is always  computer  hard-ware  as it's next-day.  Amigas, ST's,
PC's -  anything  really.   Blank  discs   are   a   waste of time, they're too
heavy.  Xternal drives,  monitors  -  good  stuff  basically. Don't  order  any
shit    like    VCR's,   hi-fi,    video-cameras,   music  keyboards,  computer
software, jewerely or anything under 300.   You'll  find the listed items  are
difficult  to   get   next   day  delivery  and  usually  won't  deliver  to  a
different  address - bastards, eh?  You're  wasting your time with little items
under 300, try to keep deliveries under 10 a day.


                    The drop.... Two ways of doing the drop

1.  Sign for all the gear (make  sure you're there between 9.00 and 5.30 P.M.)
2.  Don't turn up till around 6.30   P.M.   and  collect all the cards that the
    delivery man has left.  These usually say 'you were out at XX time so could
    you please  arrange  new  time  for   delivery  or pick up from our depot'.
    In that case, piss off  to  the  depot  and  get  all  the gear (need a big
    car!).

Remember, carding is ILLEGAL  kiddies,  so  don't  do it unless you're going to
cut me on it!!!!

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