Credit Card Fraud Is This Easy! (Why Your Cards Aren't Secure)
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- Опубликовано: 30 сен 2024
- In this video I explain why credit cards are much less secure than you think.
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Наука
Hi fbi agent! This video is entertainment and not at all a guide for lawbreaking. Thanks for your understanding!
If the FIB agent is competent he knows that understanding how the crime is done is useful for preventing the crime.
@@hanelyp1 indeed
@@hanelyp1 Thanks 🙏 for @Banzing on telegram for helping me
@@DMack6464 Thanks 🙏 for @Banzing on telegram for helping me
@Borys Thanks 🙏 for @Banzing on telegram for helping me
"I don't condone doing that because it's morally wrong, BUT"
fr this guy is almost giving us a step by step tutorial lmao
@@guacfiend he's an outlaw, mentally
@@zigafide no he is not. it isnt this easy to do virtual carding.
@Jay so where do I learn such things asking for a friend
fr
2:50 You know the GPU shortage is bad when graphics cards are advertised alongside drugs on the deep web...
Bruh
Bruh moment
seems like a scam seing as they could just be sold on ebay, unless it is some kind of money laundering type thing
@@rosa1848 its because theyre stolen in the first place my g
I’ve been on multiple markets for the past 4 years. Never once have I seen computer parts
Many people have 2fa enabled for really unimportant things like social media accounts. Why can't we have that for credit cards?
We should use public key cryptography to secure our cards, that way in theory, you are never going to expose your true private key, and no simple skimmer will ever steal your credit card info.
We have it in Europe
In the past, you needed both your card (something you have) and a PIN number (something you know) to make a purchase using a credit or debit card. However, there's been a recent trend in some restaurants and smaller shops to not require a PIN to use a card. Instead, all they need is a signature, and the digital point-of-sale systems that are now widely used will accept any signature regardless of its authenticity. And ever since 2020, its become socially acceptable for cashiers to sign purchases on their customers' behalf, ostensibly to avoid requiring the customer to touch extra things unnecessarily. However, this further reduces the security of the card, as now you only need to have the card in your possession to be able to utilize it in many places.
I have 2fa on my Mastercard :P
Its imposible to spend money without allowing a code from other devices.
@@canismajoris9115 yes, just like with crypto
When paying with a card in germany, its custom to never have the card leave the customers sight. And if they enter a pin its normal to look away.
The american custom of taking the card to the back just seems scary to me.
pretty similar in India
In russia you just touch the terminal with your credit card
@@tedarcher9120 In Soviet Russia, terminal touches your card!
@@tedarcher9120 that’s a universal standard. contactless payments is a thing in the us too
I wouldn't call it a "custom" in the U.S., as many (if not most) places have the customer use their own card. It's really only for drive thrus that the employee uses the card.
Just a regular day on the pole tux, just phishing some fishy cards with my trustworthy rod!
I rather get my CC info stolen than getting mugged,
because that way, I wouldn't have to interact with another human.
Muggings are back now that contactless payments are a thing.
So you hate interacting with another human?
*laughs in 2FA and being broke*
Laughs in cookies
Laughs in being under 18
@@mistyneal7927Laughs in time
@@mistyneal7927you can still get scammed being under 18 does not make you immune to scams
Only reason I got a credit card was so that I could pay American companies for shit because they do not seem to accept debit cards which is fucking stupid...
Well debit cards are kinda...risky
@@Bullminator For who and how so? I don't have any credit cards, only a debit card, because I only like to spend what I already have.
@@zdanee It's great because you're not initially paying out of pocket. If something gets fucked up with your credit card then you can easily recover, because it's the bank's money. However if your debit card were to get fucked up then you'd be waiting quite awhile for your money to come back into your checking account.
You should never use a debit card for purchases. If that gets stolen, then it is your rent money that is being spent. The bank is likely to pay it back, but you have a week plus of having your bills unpaid, which can cause all sorts of problems.
At least with a credit card, it is the bank's funds that are being used, so you won't be out of pocket in the short term.
I've never had a problem with a debit card, anywhere: Amazon, Steam, whatever.
Also, credit cards are strictly better than debit cards because they give you more options. IDK why people imply credit card companies are the problem; like they force people into doing financially retarded things. Credit is a valuable, useful service.
After seeing a bunch of videos of clever credit card skimmers, I have a habit of fuckin’ reefing on card readers before inserting my card. At this point, it’s become more of a fun habit than a security measure
What's reefing?
Never owned a credit card and never will, and I keep my debit card account separate from my main savings account and track every penny I spend. I'd know probably within a day or two if any illegal purchases had been made on my card.
That's a great idea for the sake of security and monitoring where your money is going. Plus, the awareness of your money will likely help with budgeting and spending in the long run. However, do you have any plans on building credit? It's fairly important if your ever plan on getting an apartment or an auto/home loan. (I'm speaking from a perspective in the US so I'm not sure if this applies to you)
being aware of what you're spending is the only good bit of advice there. Debt cards are inherently the worst way to make payment for anything. You don't earn rewards and you have very little to no fraud protection. Even if you have the best of practices you'll have your card compromised one day and instead of getting that charge reversed that money is gone. If you want to be safe get a card that allows you to get notifications on every charge. That way you can report fraud immediately.
@@korudero I’ve built credit with only ever using a secured personal loan with a very low interest rate for the purpose of building credit. I also will never go into debt for a car as I buy my cars with cash, you can have money when you don’t have a ton of payments
Your debit card is not covered by the bank for fraud, a credit card is.
Strong customer authentication when making recurring subscriptions or purchases worth more than few tens of euros online became mandatory for banks in most parts of the EU this year. It is pretty much like 2fa but for card purchases. Different issuers have different (worse) implementations but it's something.
Yeah its called 3D-Secure(thats what its called here, idk how it called in other EU countries) but it pretty impossible to buy anything online without my multi-factor auth
@@andris1337 3Dsecure.... is visa brand
The best way to keep your money safe is to not have any
Mine monero
💀
Already Doing That
When you have to buy a new set of dragon claws to fund your pvp addiction.
Thanks 🙏 for @Banzing on telegram for helping me 😆😆😃😆😆✅😆✅
Cardholders who are the victim of credit card fraud aren't liable for it and the banks write it off as an operation cost, which is part of why interest and other charges are high. Typically, Visa or the card provider ends up absorbing the cost, rather than the customer or issuer.
My dad also was a victim of fraud, he used to always get bills on subscriptions, he thought that it was my brother, we found out later that it was not him.
In 10+ years of using credit cards almost exclusively I have only had two instances of stolen CC info. One was a physical theft: junkie broke into my condo building and stole everyone’s mail the same day I happened to be getting a new card (she was caught and charged for it) Never did figure out where the second got leaked from but I caught it immediately. Every one of my CCs has an option to get texted when it’s charged to. I highly recommend doing this. It’s annoying when it happens but it’s still better than using a debit card and being out actual cash when it’s stolen until you get reimbursed which can sometimes take days. And the cashback and rewards for CC use make up for the rare cases of fraud.” IMO.
Let's be honest, nothing that isn't open source or Linux is secure
Nothing is secure
Open source or not.
Linux is private not secure
Privacy > Security
A safe
@Rlaziken have you seen the source code of our DNA? Its so obfuscated, you mite as well call it closed source
@@makuru.42 actually, the human genome is mapped out nowadays and you can even view it out urself
Dont ever give your card to a waiter to go somewhere out of your site to charge the card, either pay cash at those kind of restraunts or dont go to those
Dont use your card at places that has a good chance for the employees or someone else that might get your card info one way or another
Dont use at gas pumps
Usually i noticed the real good grocery stores n places like Walmart are usually safe to use it
dont use a card in the first place
@@pqlfndont ever use money, live outside the grid in a forest
"get identity theft insurance" I knew you were a shill for insurance companies.
As always, the best way to defend against fraud is to keep accurate accounts and not to let your money leave your sight... Its funny how many things in CS are more dependent on human discipline and culture than machine design. You should do a video on how much computer and network design and implementation has been driven by human culture rather than any hardware or software limitations.
3:02 "Hikikimori" nice try
Windows sucks
Who cares, its the bank's money not mine. Lmao
thanks for the step by step guide on how to get infinite money glitch
Don't resize your Tor window! The glowies can feel that!
How do you know he resized it?
Luckily, Tor Browser now has some protection against that, though it might still be better not to resize it.
It blows my mind that people in the US will hand their card to a waiter to take somewhere else to be used to pay. I would never hand someone my card to be taken out of my sight
I grew up seeing it happen so assumed it was normal.
Now I'm nervous loool
Wait, they don't carry the payment terminals with them?
@@Sasha-zw9ssthey could put a skimmer on that bih probably
Many things in America blow my mind 😂
@Sasha-zw9ss what if he buys something online with your credit card?
plz make a video on init systems.
I would say the best payment option always depends on the circumstance. Cash, debit, crypto... all have their strengths and weaknesses.
Lmao @ the Runescape gold in thumbnail
Hey Kenny, great video as always. Could you also talk about electronic wallets like UPI stuff some day?
Why would you give anyone your card, so THEY swipe it? That's insane. I've never done that before, ever.
Must be different where you're from, but a lot of businesses don't have the card reader within reach of the customer. Restaurants and coffee shops, especially.
I still use credit cards because if fraud does happen, you can just call the bank and they will refund your money. The risk is not on you, its on the banks. And the banks have insurance btw. honestly its probably just a big loop.
Where I live you get refunded right away if fraud happens with your debit card, so a credit card is pretty much a bad financial decision.
"your stealing money from people"
not really, they would just cancel the card as soon as they notice transactions they haven't been making and get their money back; and if they manage to not notice thats kinda dumb on their part
plus fraud doesn’t count against your credit in most cases. it’s a win - slightly inconvenienced situation
@@muffinmuncher yea
plus i dont think that credit card fraud should be legally protected, having protection on a number you give out to strangers frankly gives an unfair advantage to that shitty system; imo ideally cash/crypto should be used for all in person purchases, and credit cards maybeee for online goods from trusted sellers [ex. google or amazon] so you can use their rewards.
@@Ganerrr Credit cards are a massive tool for governments and banks. It is worth it to them to spend billions on fraud if it means more people stop using cash.
What about the chip where barely any of the magnetic strip is inserted?
The chip cannot be skimmed by people standing next to you with a skimmer but it can still be grabbed from compromised ATMs, data breaches, etc. Also if someone gets a picture of both sides of your card you're also compromised anyway. I don't know what Mental was talking about with identity theft through cards though.
Nice, I will never have to leave the house again!
MO makes videos so that his ppt skills go up like dogecoin after belle delphine of tech bros pumped it
Cards are used because people don't have any actual money. They are all in debt.
Hope this doesent happen to me
I know I'll be fine, worst case scenario they'll just see the £3.37 and leave it alone, best case they'll feel bad and give me some to help me out lmao
*Cough Cough* discord nitro kids
Love your channel bro! Greatest legit tech channel with consistant content!
You are giving ppl ideas with this video, just saying.
I freeze my card after each purchase I make, literally I’ll go shop buy a drink, freeze it again, and for online shopping I just use virtual debit cards that I can create with my bank, it’s one of the best features banks could come up with
I want cryptocurrency to get normalized ;_;
It just needs to "work" for society, and to rules, and at the same time be private, and fast
its an inter-generational ponzi scheme and going nowhere as a private payment scheme because of it
@@sunburst8810 how exactly does crypto classify as a ponzi scheme? Ponzi schemes are when someone uses current investments to pay off previous investments. You can't do that with a decentralized and open source system.
@@nuclearjello2243 being able to read the source code doesn't actually prevent something from being a scam. open source is great, don't get me wrong, but it's not going to balance your checkbook and shine your shoes for you.
@@AugustusBohn0 yeah I was primarily focusing on the decentralized part of it. There are plenty of ponzi schemes using bitcoin, but the person I was replying to is suggesting bitcoin itself is one.
Not a Ponzi scheme. A good measure of irrationality in the trade, but that's not the same. And the same criticism applies to government fiat.
one time i bought a cc full on alphabay and bought 800$ worth of runescape gold with it lmfao
W
I lost my debit card next day someone spent like 2k without knowing my pin. I was more interested how the hell my bank didn’t decline and how did they not need my pin?!
DO NOT REDEEM DO NOT REDEEEEEM
Lol That video was hilarious.
UwU
OwO
Hi Government Agency of my country and others; This video is entertainment and protecting myself from harm and *not at all* a guide for lawbreaking. Thanks for your understanding!
This is why i turned the option on to change my security code every 5 min.
if you look at monetary systems at face value crypto currency always wins tbh. it has potential to be infinitely more convenient if the government wasn't crippling it :/
Government and banks pay out billions to fraud victims.
They really don't want people using crypto and cash.
How can the government collect taxes on crypocurrencies like monero?
@@Cookiekeks Good question, and with the way government wastes money arguably a major feature of switching to a strong privacy coin. It should be noted that government didn't always gain most of it's income by income of sales taxes.
@@hanelyp1 Sure the government wastes a lot of taxes and we can critizie it (Airport in Berlin, Germany, for example), but we can't function as a society without taxes. So far this is a major reason why I think cryptocurrencies can't be the mainstream currency. Before you mention private view keys of monero: They don't work really well, you can only see incoming monero but not spend monero.
When the first type of fraudster buys giftcards with the stolen credit card wont he need to buy them with an account and wont it be somehow trackable who bought the giftcard?
I've worked in a supermarket that was a bit of a hotspot for fraud for a while.
The first was to just use the stolen physical card. That had some obvious issues - the fraudster would have to convincingly copy the signature, and he would have to look like the card holder (e.g. card says "Mrs X Y", but the user is a teenage boy). The system would often prompt for an authorization check as well, which meant we had to call the bank and get manual authorization. This usually resulted in the bank asking the customer personal questions about the cardholders account that the owner could not answer.
I also saw people use correction fluid on the signature strip to erase the signature and overwrite it with their own. That is why signature strips have a patterned background that is difficult to copy, and the security code is stamped into the signature strip.
Believe it or not, one of the original ways to get stolen credit card details was just to pick up discarded receipts. The original checkout system we used would just print the whole card number along with the expiry date on the receipt - easy for a fraudster to take advantage of. Of course, it didn't take long for people to work out this was happening and then reprogrammed their tills to blank out the middle part of the card number.
The reason why this wasn't done previously was really a holdover from the past. Electronic swiping is relatively new and didn't become commonplace until the 80s and 90s. Before then, physical card imprinting machines were used. Because of the way they worked, the whole card number was always printed on the receipt. The early swipe machines in effect emulated the card imprinters, and just printed all of the details that would appear on the front of the card on the receipt.
One of the classic ways to get around the signature check was to re-write the magnetic strip on the back of the card with the stolen details. It is then unlikely that the cashier would spot that the number swiped did not match the number on the card, and meant the signature and authorization check would pass. The stores then realised this was happening and then instructed cashiers to verify the last four digits of the card matched the receipt.
Again, fraudsters tried to get around this by embossing card blanks or even re-embossing valid cards. As a result, we had to check the hologram was valid. The card number was always embossed through the hologram, and attempting to re-emboss would damage it.
This was the point where we started to use the chip only. That didn't stop fraud though.
A lot of fraud moved to foreign countries, particularly ATMs, as many hadn't been converted to use the chip. With chip and pin, it became a lot easier to steal peoples PINS, which up to this point were only used for ATM transactions.
More modern ways included card skimmers that would copy the magstripe information, and even photograph the CVV number. This would be combined with a camera recording the pin pad. This happens in stores as well as ATMs.
Also, cashiers and waiters could be carrying a skimming device to quickly copy card details onto a raspberry pi or other small battery powered computer they have on them. Combined with small, high resolution cameras, the other card details like the CVV could be captured.
Also a lot of physical stores will request a customer's address - e.g. Pizza delivery, custom orders, etc. Any cashier entering these details could copy them (a small camera would work and be hard to notice) along with the card details to give them the full information that can be sold at a premium. I've also heard of a card swiper being hooked up to an old tape dictation machine - rather ingenious, using magnetic recording to store information read from a magnetic card. The audio can be decoded at a later date.
These days, muggings are back as the contactless / paypass technology has taken off. One of those cards can buy a lot of cigarettes and alcohol before they get blocked, so are quite appealing.
In reality, all these transactions are fully insured by the bank so you won't lose anything personally if one is stolen. Banks are willing to pay big money to stop people using cash.
Cashiers no longer do security checks as the transactions are all underwritten by the banks. In fact, you should never give your physical card to a shop worker as the system is now designed for them to not interact with the payment terminal. This is to minimise the ability for shop workers to skim cards.
Physical cards have started to move the card number from the front to the back to minimise the chances of a card number being picked up by a high res camera.
It is funny to see how much extra stuff has been bolted on to what is essentially 1960s technology in order to keep it somewhat secure. The banks, government and payment networks desperately want people to use their systems rather than cash or cryptocurrency, as that gives them the most control and most profit.
They could always make their own crypto
@@superslimanoniem4712 They are working on it. Very difficult to implement - they want a system that gives them complete control, which is tough to do in crypto.
Well I guess my habit of keeping only the bare minimum on my spending account. The most they'll get is 31 dollars
My habit is cashing out as soon as paycheck is there. The longer it waits, the more risk there is.
@@rockytom5889 I am not in an area i trust so i never want to have cash on me
@@pencilcase8068
Well, it ain't exactly like where I live is a crime free zone, but fuck me if I ever use a card to pay. Besides, I always have at max 20$ with me, unless I plan to buy something. Everything else goes home for safekeeping. It may sound dumb, but I got screwed over by a bank once, ain't trusting anyone with my shit again.
@@rockytom5889 Thats understandable, in my case i only go out when i am going to make a predetermined purchase.
What about the card apps that turn your card on & off?
Doesnt credit card/debit card require 2 factor authentication via otp from your phone?
That's why there is 2FA
Anyone else got a Roocoin ad, didn't know what that is so had to watch it.
Must be obscure, not on the wikipedia list of cryptocurrencies.
web search ... "charity oriented" better do you due diligence before touching it.
Cash is king.
finally, I can redeem my codes.
I heard once that some banks may allow u to make a alternative card with just a specific amount of money, so if u lose it, u just lose that money.
Are you or will you be in the process of making a video on Apple's new VPN-like service? Curious as to your thoughts on it.
Interesting. Where I live all online transactions use 2FA, but I assume that's not the case most places then.
Are you from Norway? The only people I know who use 2fa are my fellow Norwegians
thanks for the tutorial !!
🤔🤯 Wow, I'm so happy to be on the path of and studying to start in the industry of cyber security and ethical hacking!!
The figures and amount of fraud are insane...a huge market..
how do i get out of jail
Thanks for the tutorial
oh, so that's where the games on g2a come from
2:05 DARK web, not DEEP web, Mental Outlaw! Come on!
Deep web is stuff like temporary pages and just general web junk but dark web is what MO is referring to
@@KSPAtlas deep web is also private pages, such as MO’s RUclips Studio.
Poor credit cards getting cancelled all the time 😔
01:54 "I don't condone illegal things, because it's illegal". We all know what you do in the deep web, it's good you don't try to hide it anymore.
PD: it's hikikomori, not hikikimori. Tasty videos btw.
So you still use the magnetic strip to swipe the card to pay? That's disabled in my country since many years, so skimming makes no sense anymore.
I only carry crebit and decrit
ok
@@quagmiretoiletgaming real quagmire!!! can i get 69 fartbux
This's the best legit vendor i know, thanks for the sharing.
Hi fbi agent! This video is entertainment and not at all a guide for lawbreaking. Thanks for your understanding!
If you use google or Samsung pay you get a random card number that only works when you turn it on for the 30 seconds...
0:08 mental outlaw hand
You should do a video on privacy.com
teaching the good stuff ;)
Find something wholesome on the deep web pls
Did anyone know where i can buy these credit card information ? (so i can avoid them)
In terms of character and expertise, *sentinel Recover* is truly unparalleled. He embodies reliability and exhibits exceptional professionalism within the IT realm. Jon epitomizes the ideal colleague - passionate, industrious, and incredibly knowledgeable. Undoubtedly, you’re the ultimate, James
"Credit card company takes the hit"
"Debit cards is a whole different story, it's your own money at risk"
NO. You have no idea what you are talking about.
It's the merchant. In both cases. Visa and MC are global, their policy is global, and credit or debit makes no difference.
What kind of utopia world do you live in? Of course banks don't pay shii. They take it from the merchant (who has done nothing wrong).
God forbid the bank pays a penny! That would give them an incentive to actually be secure.
This channel is getting me on a watch list
Big shoutout to ⬆️⬆️ (*the name stated above*) for putting me up with cc of $4,700 balance. If not for you, my mom would have died of the sickness. Thank you 🙏 do much for your honest deal
Big shoutout to ⬆️⬆️ (*the name stated above*) for putting me up with cc of $4,700 balance. If not for you, my mom would have died of the sickness. Thank you 🙏 do much for your honest deal
Yo! 👆👆👆he’s the bigger picture in this space, he gave me the right sauce 👆👆👆↖️↖️↖️. Cloned cards with high balance 🔥🔥👨🏻💻.
hikikomori
My dear, *sentinel Recover* I’m so impressed by your progress. I have faith in you, and I hope you’ll be able to do more and better quality job for others in the future. Keep it up! James All your hard work and dedication have paid off. You are an inspiration to other Expertise like you. Thanks for your great job. I’m proud of your achievement
Never let your card out of your sight when paying for something
in your journey ahead, may success be your faithful companion, *sentinel Recover* Your brilliance will illuminate every endeavor you undertake amidst prosperity! May your dreams materialize, guiding you toward a future filled with promise and radiance! Your accomplishments speak volumes about the bright prospects ahead, inspiring confidence in your ongoing journey. Bravo! Your assistance in undisclosed matters is greatly appreciated, and it’s truly an honor to have your guidance. Thank you for your invaluable contributions.
Hail the champion of professional decorum, whose unwavering attention to detail and commitment to excellence set the bar higher and higher. You helped me a lot *sentinel Recover* ... I got back my account that was hacked, if it wasn't for your help I wouldn't have succeeded... Thank you very much
I'm literally overwhelmed, You are a blessing to the world. I can't thank you enough *sentinel Recover* for helping me with my account recovery. My prayers will always be with you and your team. Keep it up guys. Love from Maldives. There are many people out there I pray everybody get help.
Hi fbi agent! This video is not for entertainment and a guide for lawbreaking. Thanks for your understanding! (probably)
Runescape gold 😂😂😂😂😂😂😂😂😂😂
Big thanks *sentinel Recover* for helping me out. God bless you brotha... I've tried following these steps from the device and location where the account was always logged into and I got a page that says we don't recognize your device. The tutorial video was not helpful tho but Big Ups James
This method is dead. Crypto swifting is what's trending rn.
Banks cover you against credit card fraud. In almost all cases they refund your money. It’s about the only type of fraud they do cover you for. This cover is factored into the extremely high interest rate on the card if you don’t pay it off by the due date.
For that reason alone a credit card is a decent way to pay for your purchases.