Car carding

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Car carding: risks, methods and realities​

Car carding is the use of stolen bank card data to buy or rent cars. This method is attractive to fraudsters, as cars are highly liquid assets that can be easily resold or used in other schemes (for example, dismantling for spare parts). However, this process is associated with high risks and difficulties, as car companies and vehicle rental agencies have strict security systems.

1. How does car carding work?​

a) Basic principle​

1. The fraudster uses stolen card data (CVV, BIN) to:
   • Buying a car online.
   • Car rentals through platforms (eg Hertz, Avis, or private sites).
2. After receiving the car, he:
   • Resells it on the black market.
   • Used for other purposes (e.g. transporting illegal cargo or dismantling for spare parts).

b) Why did he hit the cars?​

• Cars are highly liquid assets that can be quickly converted into cash.
• Some platforms offer online purchase or rental without strict verification.
• Possibility of using false documents or addresses to obtain a vehicle.

2. Methods of car carding​

a) Selecting suitable platforms​

• Look for platforms with:
  • Minimal user verification.
  • Flexible payment methods (Visa, Mastercard, PayPal).
  • Delivery of the car to the specified address.

b) Use of stolen data​

• Check the quality of BIN/CVV before use (e.g. via test payments or card verification services).
• Separate activity between different accounts and IP addresses.

c) Drops and delivery​

• If you don't want to use your address, set up a drop system:
  • Fake addresses (for example, friends, acquaintances or paid drops).
  • Rewriting addresses through intermediaries (for example, mail services or forwarding services).

d) Resale of cars​

• Resell your car through:
  • Classified ads (e.g. Craigslist, Facebook Marketplace).
  • Specialized forums or communities.
  • Black market (for example, selling for spare parts).

3. Risks and difficulties​

a) Technical risks​

1. Antifraud systems:
   • Car companies and rental agencies actively use behavior analysis systems:
     • Unusual location.
     • Frequent purchases from one card.
     • Too large amounts.
2. Chargebacks:
   • Cardholders may request a refund, which will result in your account being blocked and possible investigation.

b) Legal consequences​

• Fraud using stolen cards is a criminal offence.
• Car companies may share data with law enforcement for investigation.

c) Ethical issues​

• You are causing financial harm to real people whose data was stolen.
• This can affect your reputation and self-esteem.

4. How to minimize risks?​

If you decide to explore this topic, here are some tips:

a) Use quality tools​

• Antidetect browsers (Dolphin Anty, Multilogin).
• Residential proxies for masking IP address.
• Fresh and verified BIN/CVV.

b) Choose legal platforms​

• Look for platforms with a poor reputation for security (they are less likely to check the sources of funds).
• Avoid large and licensed companies as they have strict security measures.

c) Minimize the amount of transactions​

• Start with small amounts (like renting a cheap car) to test the system.
• Don't make too many purchases from one account.

d) Use drops​

• Organize a system of fake addresses to receive cars.
• Avoid using your real address.

5. Alternatives to car carding​

If you want to make money from cars legally, consider the following options:

a) Arbitration​

• Buy cars at low prices (such as at Copart or IAAI auctions) and resell them on the used market.

b) Participation in auctions​

• Explore niches where demand exceeds supply (for example, rare car models or collectible cars).
• Use data analysis to predict profitable trades.

c) Affiliate programs​

• Register in affiliate programs of automotive platforms and receive a commission for attracted sales.

6. Conclusion​

Car carding is an extremely risky and illegal method of earning money that can lead to serious consequences. Modern car companies and rental agencies are actively implementing security systems, which makes this process even more difficult. If you want to develop your skills in car trading or marketing, it is better to focus on legal ways of earning money.

If you have additional questions or want to discuss specific aspects, do not hesitate to ask!