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This is NOT carding! This is finance fraud. Large mobile carriers will allow you to finance the purchase of electronics with that, giving you monthly paid plans for devices. Most people with decent credit scores qualify for no down payment, only sales tax upfront financing. This is a guide on how to only pay the sales tax for electronics via qualifying for finance loans for iphones/ipads under fullz info. This also isn't just a copy pasted guide that's been passed around a million times, this is my personal method that I've used very recently. It won't make you a millionaire, but I've personally made 5 figures doing this over the last 2 years.
Do all this on a burner phone with a prepaid sim.
Part 1. Getting Fullz info.
To finance phone from any provider, you'll need:
1. A Fullz with a credit score over 700 (SSN, DOB, address)
2. Their drivers license number issue and expiration date
3. A dl scan with all that info
4. A secondary doc to prove address like a utility bill.
Use the info to obtain everything listed above. Once you have all of that, create a cashapp or greendot or go2 or whatever in their name, as long as it gives you a debit card (physical or virtual) with their name on it. Visa gcs don't work. Then, set up a drop address to receive the phones (separate process I can also explain if you need). Once you have all that, you should be ready to go.
Part 2. Buying the phones.
Choose your carrier, I recommend ATT (best)/Verizon. Call their sales line, and say you want to finance an iphone (start with one the first time, increase by one every succesfful attempt until you find the most you can do consistently. I got up to 4 for a while, but I doubt that's possible anymore. I'd shoot for 2 per fullz). They'll ask for you name, email, phone number, ssn, dob, and address. Give them the fullz info with the drop address. You'll have to pay the tax on the phone to finance it, which is usually around 10% tops. So if the phone retails at $1000, have $100 on the debit card. After you give them the info, they'll run a credit check, determine you're eligibility, and if it goes through, they'll ask for your card details over the phone. The payment will go through, and the phones will be ordered, but they won't ship. You'll get an email to the email you gave them, asking you to submit a picture of your id and maybe a utility bill. They'll ask you to submit a live photo, but just call the number they put in the email and say the link is busted, can I just email you the pictures? Email them whatever docs they ask for, and they'll tell you if you're approved and the order is processed, or if you have to go to the store to order (failure, onto the next). Then the phones will get shipped to your drop.
Part 3. Getting and Selling the phones.
The phones will need to be signed for, again if you can't figure that out, I can provide drop address solutions. Once you have them, marketplace or craigslist are gonna be your best bet to sell them quickly.
Part 4. My thoughts.
The way they verify your identity is by scanning your drivers license you submit, and running the dl# and expiration date. If the info it pulls up in their system matches your dl (and your credit is good), you're approved. Phone loans are the easiest thing in the world to qualify for (other than student loans lol). It's important to ensure your id scan is high quality, and that you give the maker of the id all the real info of the fullz to put on it so you pass verification. The most I ever did was 5 ipads in a single order, but after a while all my orders started getting moved to only in store pickups because the amount was so high, so I went to 1-2 phones per order.
I personally have an unlimited source for drops all over the country, so one of my main gigs is finance fraud with iphones. I send them to the drops, and have them reshipped to a local drop. It was tough to figure out how to scale to this point, but now it's almost like passive income. For small finance orders (only 1 of 2 items), the security hasn't changed as long as I've known how to do this. The higher you try to push it (3-5 items), the harder it is (more verification). Either way, it's is imo, the BEST method for intermediate fraudsters.
Verizon doesn't accept online debit cards, like chime or cashapp, though they do accept debit cards from regular banks.
For a lot of noobs, this is a big issue. Getting a bank drop under a specific fullz is hit or miss with the best fraudsters, and borderline impossible to do on a consistent basis. So how do you pay for the iPhones you are financing under a fullz? The answer is really simple, and lies in a little known policy of Verizons (and all phone carriers). The name on the debit card paying the sales tax (the only payment due upfront if you do this right) does NOT have to match the name of the person financing the phones. This means you can use a debit card under ANY fullz to pay. Now you'll need an excuse for this, like my brother/friend/uncle/whatever is paying for me, they just don't want the phone financed under their credit or something (it doesn't really matter).
Opening any random (brick and mortar) bank drop under any random fullz isn't too difficult, but if you can't figure it out, there plenty of vendors out there that will sell one you for a relatively reasonable price, shoutout /u/Ganymedes for one. If you're gonna pay for a bank drop to use though, you should use it as the payment method for multiple different fullz. Finance as many phones as you can using that card to pay in a month as possible (1-2 per fullz for you noobs out there, try 3-5 if you're a vet), and then sell them all and abandon the bank drop with $0 in it, so when they go to get the first months payment, you're already gone with a profitable amount of iPhones.
Do all this on a burner phone with a prepaid sim.
Part 1. Getting Fullz info.
To finance phone from any provider, you'll need:
1. A Fullz with a credit score over 700 (SSN, DOB, address)
2. Their drivers license number issue and expiration date
3. A dl scan with all that info
4. A secondary doc to prove address like a utility bill.
Use the info to obtain everything listed above. Once you have all of that, create a cashapp or greendot or go2 or whatever in their name, as long as it gives you a debit card (physical or virtual) with their name on it. Visa gcs don't work. Then, set up a drop address to receive the phones (separate process I can also explain if you need). Once you have all that, you should be ready to go.
Part 2. Buying the phones.
Choose your carrier, I recommend ATT (best)/Verizon. Call their sales line, and say you want to finance an iphone (start with one the first time, increase by one every succesfful attempt until you find the most you can do consistently. I got up to 4 for a while, but I doubt that's possible anymore. I'd shoot for 2 per fullz). They'll ask for you name, email, phone number, ssn, dob, and address. Give them the fullz info with the drop address. You'll have to pay the tax on the phone to finance it, which is usually around 10% tops. So if the phone retails at $1000, have $100 on the debit card. After you give them the info, they'll run a credit check, determine you're eligibility, and if it goes through, they'll ask for your card details over the phone. The payment will go through, and the phones will be ordered, but they won't ship. You'll get an email to the email you gave them, asking you to submit a picture of your id and maybe a utility bill. They'll ask you to submit a live photo, but just call the number they put in the email and say the link is busted, can I just email you the pictures? Email them whatever docs they ask for, and they'll tell you if you're approved and the order is processed, or if you have to go to the store to order (failure, onto the next). Then the phones will get shipped to your drop.
Part 3. Getting and Selling the phones.
The phones will need to be signed for, again if you can't figure that out, I can provide drop address solutions. Once you have them, marketplace or craigslist are gonna be your best bet to sell them quickly.
Part 4. My thoughts.
The way they verify your identity is by scanning your drivers license you submit, and running the dl# and expiration date. If the info it pulls up in their system matches your dl (and your credit is good), you're approved. Phone loans are the easiest thing in the world to qualify for (other than student loans lol). It's important to ensure your id scan is high quality, and that you give the maker of the id all the real info of the fullz to put on it so you pass verification. The most I ever did was 5 ipads in a single order, but after a while all my orders started getting moved to only in store pickups because the amount was so high, so I went to 1-2 phones per order.
I personally have an unlimited source for drops all over the country, so one of my main gigs is finance fraud with iphones. I send them to the drops, and have them reshipped to a local drop. It was tough to figure out how to scale to this point, but now it's almost like passive income. For small finance orders (only 1 of 2 items), the security hasn't changed as long as I've known how to do this. The higher you try to push it (3-5 items), the harder it is (more verification). Either way, it's is imo, the BEST method for intermediate fraudsters.
Verizon doesn't accept online debit cards, like chime or cashapp, though they do accept debit cards from regular banks.
For a lot of noobs, this is a big issue. Getting a bank drop under a specific fullz is hit or miss with the best fraudsters, and borderline impossible to do on a consistent basis. So how do you pay for the iPhones you are financing under a fullz? The answer is really simple, and lies in a little known policy of Verizons (and all phone carriers). The name on the debit card paying the sales tax (the only payment due upfront if you do this right) does NOT have to match the name of the person financing the phones. This means you can use a debit card under ANY fullz to pay. Now you'll need an excuse for this, like my brother/friend/uncle/whatever is paying for me, they just don't want the phone financed under their credit or something (it doesn't really matter).
Opening any random (brick and mortar) bank drop under any random fullz isn't too difficult, but if you can't figure it out, there plenty of vendors out there that will sell one you for a relatively reasonable price, shoutout /u/Ganymedes for one. If you're gonna pay for a bank drop to use though, you should use it as the payment method for multiple different fullz. Finance as many phones as you can using that card to pay in a month as possible (1-2 per fullz for you noobs out there, try 3-5 if you're a vet), and then sell them all and abandon the bank drop with $0 in it, so when they go to get the first months payment, you're already gone with a profitable amount of iPhones.
