Carding
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Lecturer: Hoseramires
[19:10:09] <Hoseramires> Greetings to everyone again
[19:10:13] <Hoseramires> I ask you not to flood,
[19:10:16] <Hoseramires> open the txt file and write down questions, after the end of the lecture - copy/paste - received answers - separated, everyone has a different typing speed, don’t make each other wait!
[19:10:42] <Hoseramires> Today’s topic will tell you about the world of Bank Accounts, this is not an instruction on how to raise money, but an excursion into the world of big money, where areas of work in BA are discussed.
[19:11:07] <Hoseramires> Let's start
[19:11:08] <Hoseramires> Once again, the topic of today’s lecture is BA-bank accounts, I will try to cover the topic in all directions
[19:11:24] <Hoseramires> What is it, where to get it, how to register, what to use, etc.
[19:11:35] <Hoseramires> Let's start with definitions
[19:11:38] <Hoseramires> Definitions may not be new and may overlap with other topics, we will repeat just in case.
[19:11:52] <Hoseramires> Full Info (aka Fullz) - data about a person containing SSN, DOB, First name, Last Name
[19:12:05] <Hoseramires> SSN - The American version of the TIN, but it has much more significance, it is the basis of a US citizen
[19:12:19] <Hoseramires> DOB - Date of Birthday- birthday
[19:12:25] <Hoseramires> MMN – mother’s maiden name. Mother's maiden name, many banks require that when registering, it is better to get a high-quality punch, so that there are no problems.
[19:12:44] <Hoseramires> DL - driver’s license driver’s license
[19:12:52] <Hoseramires> BG - Background Report additional information about CH - where he lived, when he was born, who he was married to, Mother’s, grandfather’s maiden name, etc.
[19:13:11] <Hoseramires> Credit Score is the trust score of the banking system for every person in the US, the higher it is, the better.
[19:13:25] <Hoseramires> Google Voice, Text Now and other similar services (there are about 80 of them) - receiving calls and SMS to the YUSA number, as there are many of them - when we mention the abbreviation GV - we will mean that these are any services to receive SMS.
[19:13:55] <Hoseramires> HVNC - Hidden Virtual Network Computing - a system for remote access to the computer desktop
[19:14:09] <Hoseramires> Checking - in Russian it sounds like settlement. Salaries come to him, almost all settlement transactions take place from him. The movement of funds is usually frequent, and the bank is loyal to debits from this account, but most holders more often monitor the movement of funds on it, which is logical. Some may not follow at all.
[19:14:54] <Hoseramires> Saving - savings account. Here, I think, everything is clear. Holder keeps his savings here. The main problem for us when working with safe accounts is the limitation on online payments for many banks (6 transactions per month, and in many mini-deposits are also counted as a transaction). Naturally, the bank monitors transfers on such accounts more closely. In some banks it is possible to open only a savings account.
[19:15:53] <Hoseramires> Loan - credit
[19:15:55] <Hoseramires> Mortgage
[19:15:58] <Hoseramires> Let's go further:
[19:16:01] <Hoseramires> So, in America there are hundreds of banks, in each of which you can open an account, and this is nothing more than BA. In some banks, an account is opened only during a personal visit, but in others it can be opened remotely - on the bank’s website
[19:16:32] <Hoseramires> In Ru this is hardly possible, but in America this is the norm of life.
[19:16:41] <Hoseramires> BA for our work can be divided into 3 types
[19:16:48] <Hoseramires> 1) Brute accounts, you can buy - they are almost always on sale, if not on sale from certain sellers, you can find them from others, from time to time banks strengthen protection, introduce authentication via SMS, Due to this, the opportunity to work with certain banks disappears.
[19:17:28] <Hoseramires> 2) Accounts registered by you yourself or purchased from sellers who register them for sale
[19:17:45] <Hoseramires> 3) Accounts from logs, you can either buy them from log sellers or from your botnet, or exchange certain links from logs with people.
[19:18:06] <Hoseramires> Let's consider each of these types of asthma in more detail
[19:18:14] <Hoseramires> I Brutus.
[19:18:16] <Hoseramires> Brute accounts are accounts obtained by simply searching through login/email-password pairs, an email database is purchased, and passwords are selected for it, everything happens automatically and depends on the password database that exists.
[19:18:46] <Hoseramires> These accounts are on sale as just the text login
ass and loginass and access to mail (loginass from mail), with access to mail accounts are much more expensive because . Most banks will enable two-factor authentication, in which, for any action in your personal account, a notification is sent to your phone or email. Having access to your email, you can turn off notifications to your phone and redirect them to your email, and put a filter on your email so that the emails from the bank they went to spam.
[19:19:57] <Hoseramires> prices start from $50 to $500
[19:20:01] <Hoseramires> https://ibb.co/R4jn2Yn
[19:20:05] <Hoseramires> the price for such an account could be $400, or maybe $2K
[19:20:13] <Hoseramires> https://ibb.co/Fb2mFb0
[19:20:17] <Hoseramires> and this one costs $2,200 with access to mail, it has a lot of translation options, including Zelle
[19:20:32] <Hoseramires> the most important thing is what methods of withdrawing money exist in this bank (balance transfer)
[19:20:46] <Hoseramires> https://ibb.co/3kfs1b3
[19:20:49] <Hoseramires> It seems expensive, but if you understand what to do with it, you can take it off with ease
[19:21:02] <Hoseramires> a few more screenshots to understand the category
[19:21:09] <Hoseramires> there is such an interesting log with all access https://prnt.sc/zlouk1ztgAG2
[19:21:20] <Hoseramires> almost 2 million evergreen, with access to mail and RDP access
[19:21:29] <Hoseramires> such logs are sold for a lot of money, and they are taken by people who understand what goes where to whom and how much. Without understanding the situation, such logs are useless, just the magic of numbers.
[19:21:52] <Hoseramires> but this is the situation in any business, be it BA, CC or ROLLKA, if you understand the matter, you will return the investment at MINIMUM 5-10 times, this is supply and demand.
[19:22:13] <Hoseramires> Let's move on:
[19:22:16] <Hoseramires> II Samoregi.
[19:22:18] <Hoseramires> ____
[19:22:19] <Hoseramires> To create a self-registration we need
[19:22:25] <Hoseramires> Full Info, number for receiving SMS, Break through Background Report by phone
[19:22:35] <Hoseramires> Credit Score (credit history), E-mail (preferably corporate, or personal but upgraded)
[19:22:49] <Hoseramires> There are fulkas on sale with a credit score that has already been punched, it’s easier to buy ready-made ones
[19:22:59] <Hoseramires> The loan must be 700+, otherwise the bank will not give you a good deposit and will treat you worse.
[19:23:13] <Hoseramires> After we received the fulka+ acquired GV we need to break through BG-
[19:23:23] <Hoseramires> BG can be broken through on your own or you can purchase it, let’s consider breaking through on your own. It can be done on the following sites
[19:23:41] <Hoseramires> truthfinder.com
[19:23:43] <Hoseramires> spyfly.com
[19:23:46] <Hoseramires> checkpeople.com
[19:23:48] <Hoseramires> beenverified.com
[19:23:51] <Hoseramires> instantcheckmate.com
[19:23:55] <Hoseramires> peoplefinders.com
[19:23:58] <Hoseramires> spokeo.com
[19:24:00] <Hoseramires> I use truthfinder.com; on this site DOB is fully indicated, on the rest they almost always write the year and month, without specifying the date, but to complete the picture, you can use several sources, because they will complement each other
[19:24:34] <Hoseramires> These services are easy to work out CC - use it, don’t activate it for a year, it’s enough for you for a month, there is a high probability that the card will die and with it your account on these services, so do it for a month , that's enough
[19:25:07] <Hoseramires> If you took a full card without a credit score, then you can also get it yourself on the following services:
[19:25:23] <Hoseramires> experian.com
[19:25:26] <Hoseramires> transunion.com
[19:25:29] <Hoseramires> my.bankrate.com
[19:25:31] <Hoseramires> It is quite possible that at the stage of breaking through the BG or CS you will not be able to obtain the necessary information, in which case you throw away the full card and take another one.
[19:25:52] <Hoseramires> That's it, you got everything you need to start - a good full card with CS from 700 and BG - you can register.
[19:26:07] <Hoseramires> In the public there is a list of banks where you can register for a full card, there are quite a lot of them,
[19:26:21] <Hoseramires> in order not to clutter up the lecture, I provide a link to the list:
[19:26:29] <Hoseramires> https://privnote.com/iSQBpheC#neLhJudjd
[19:26:35] <Hoseramires> please DO NOT PRESS the destroy note now button and the note will live for 30 days
[19:26:46] <Hoseramires> These are public banks that you should start with, the deeper you delve into this area, the more you can do, just learn how to do self-regs on 2-3 banks, you will understand the essence of most self-regs
[19:27:17] <Hoseramires> We either use these banks or look for private offices. Some banks may put an account on hold for a day - this is bad, but maybe in a day the hold will be lifted
[19:27:39] <Hoseramires> To gain experience, I recommend starting with simple banks, such as:
[19:27:50] <Hoseramires> Bank of America
[19:27:52] <Hoseramires> Suntrust
[19:27:54] <Hoseramires> Chase
[19:27:56] <Hoseramires> To register in any USA bank, you must adapt to CH, when registering you do not need to thoroughly change all the hardware parameters, in this direction the fraud is looking at this but not closely, the main thing is that you had a clean IP and American DNS.
[19:28:35] <Hoseramires> I recommend using Amazon Dedices, which you can register yourself at aws.amazon.com
[19:28:50] <Hoseramires> To register, you need a service for receiving SMS (not all VoIP numbers allow you to do this), and some kind of CC processing, and do not forget that when working with cards in this direction, count on the long-term work of the received Dedik there's no way to do it this way
[19:29:26] <Hoseramires> It can work for several hours, or maybe for several months.
[19:29:36] <Hoseramires> After receiving RDP, I put Chrome and Proxy on it to change the IP. Changed the IP - adjusted to CH, changed the time to the time zone of CH - then register with the bank.
[19:30:03] <Hoseramires> If you have adjusted to CH, then you may not have any questions, but if your actions have aroused suspicion from the bank, or this bank already has a CH account, then you will receive a bunch of more questions, An example of them on the screen:
[19:30:33] <Hoseramires> https://prnt.sc/ryhhd1
[19:30:37] <Hoseramires> For example, which of these people do you know, on what street did you live in such and such a city, how old is Jack Brown (this is your uncle).
[19:30:55] <Hoseramires> They may also ask what is your payment on the loan from Bank of America, which you took out in 2014, this is where the Kyrgyz Republic will come in handy.
[19:31:14] <Hoseramires> Additional examples of questions: the color of your Chevrolet Camaro, what street does your street intersect with, the color of your eyes, etc.
[19:31:32] <Hoseramires> This is where your preliminary penetration of this CH through the BG comes in handy.
[19:31:43] <Hoseramires> You answer - and you are skipped to further steps, where you come up with an account login, password, PIN code
[19:31:58] <Hoseramires> https://prnt.sc/ryhjg7
[19:32:02] <Hoseramires> One of the steps will be to order a debit card. You most likely don’t need it, because... will be sent to CHs billing address, skip this step.
[19:32:23] <Hoseramires> If registration is successful (aprooved), go online immediately.
[19:32:33] <Hoseramires> Created a login / pass, then came up with secrets and wrote down the account and routing numbers for checking and saving accounts, confirmed your account by mail + number from google voice and do not forget to turn on alerts. In general, behave like CH.
[19:33:05] <Hoseramires> http://prnt.sc/ryvjzc
[19:33:08] <Hoseramires> There is another unpleasant moment, namely a change in credit history. When registering a new bank account (BA), an entry is made in the credit store and large banks carefully check this in order to prevent fraud. To do this, we need to break through the top-end Background under Trans Union and change the CH email in the report to the email to which we will connect the self-registration, in the same way we change the phone number to ours and so on.
[19:34:10] <Hoseramires> After all the manipulations, you receive a clean BA for work, to which only you have access.
[19:34:24] <Hoseramires> This service is popular now, special services will do everything for you, I’m just giving it as an example of the cost, https://ibb.co/gSsTYCJ. There are many similar services, choose based on reviews
[19:34:50] <Hoseramires> After registration (depending on which bank) in most cases we will be offered to top it up. If you have prepared a BA Brute for replenishment without punched information, you link it by account and routing numbers,
[19:35:20] <Hoseramires> then select the top-up amount and wait for the mini-deposits. After the mini-deposits arrive, you confirm them in your personal account, and the bank debits the funds from the Brute BA.
[19:35:44] <Hoseramires> I don’t recommend pouring a lot at once, top up up to $1000
[19:35:52] <Hoseramires> III BA from the lairs.
[19:35:55] <Hoseramires> On the one hand, the BA logs are the most complete, you have a Loginass, there are cookies for logging in, there is mail to confirm your actions, but you can either receive this material from your own channel botnet, or buy
[19:36:29] <Hoseramires> You link your BA self-reg to a bank from logs as an external account, but not all banks allow you to do this. Somewhere they can request a secret, somewhere they can receive an SMS, everything is individual.
[19:36:54] <Hoseramires> Here your experience will help you, over time you will already know which BA is good and easy to merge. For example, I can say that discover saving accounts can be merged into Movo if the log and cookies are in order.
[19:37:23] <Hoseramires> If Zelle is available, then it’s already written above how all this happens. The most important thing is not to be afraid of banks and practice more.
[19:37:42] <Hoseramires> Doing your own channel through your bot just for the sake of BA is expensive, here you need to sit closely on the logs, working through them completely, and links to shops and BA and Facebook, etc. and so on. or know where to implement them next. Buying BA from logs is expensive, but if you know what to do with it next, then it pays off. Almost all BAs from logs remain and are processed in private, because This is money in its purest form, what ends up on sale is something that the sellers themselves didn’t care about.
[19:38:48] <Hoseramires> A log with login + password + access to mail is 60% of your success, with this set there is a high probability of making a profit, you can lose up to 2-3k$, then you will need to call, draw or something to verify yourself differently.
[19:39:22] <Hoseramires> If you have your own botnet with HVNC, then you can manage the CH computer as well as your own with all the consequences - use BA, any CH accounts, etc. and so on.
[19:39:47] <Hoseramires> This scheme with its own bot is very profitable, but also very expensive. If you have HVNC for the bank, you are CH, and you can do with your BA everything that CH himself can do - you can transfer it to a decent drop-off manager for cash, but before these actions you must remove all alerts on your phone, transfer it all to email, and put it in the mail filters so that the CH does not burn,
[19:40:39] <Hoseramires> It is also possible to change CH’s phone number to your own in BA, assign a dialer to this number and receive calls
[19:40:56] <Hoseramires> Drops usually do not agree to accept fills less than 5k, which means we need a high-quality account and proper preparation. From one such high-quality upload you can earn $15 or $20k, but again, without a botnet this is almost impossible.
[19:41:29] <Hoseramires> Next.
[19:41:30] <Hoseramires> You have BA obtained in any way, what to do next?
[19:41:39] <Hoseramires> If it’s not self-registration that needs to drain money from CH, there are several ways:
[19:41:51] <Hoseramires> 0 payment in shops and your merchant:
[19:41:57] <Hoseramires> You can link your BA to PayPal, accept mini-deposts for confirmation and then configure the system to work with PP
[19:42:14] <Hoseramires> In addition to PP, you can also link your BA to other stores, including Amazon
[19:42:24] <Hoseramires> Payment with BA in shops has more confidence, but is also checked much more carefully. Most likely, for verification, in addition to mini-deposits, they will also require drawing. If you have linked and verified, then the shop can give you a good amount right away from the first input.
[19:43:00] <Hoseramires> Possibility of linking using the example of Amazon
[19:43:06] <Hoseramires> https://prnt.sc/xg9FMtkhYDHx
[19:43:10] <Hoseramires> There are also luxury shops that accept payment only from BA - where the price tag for goods starts from $2k. It’s hard to get into such shops because... In addition to BA binding, ringing and drawing are also required.
[19:43:39] <Hoseramires> The pitfalls are exactly the same as I described, the bank must be from a botnet, preferably with HVNC, since without HVNC we will not send more than 2-3k. But shops accept 100% payment to bank accounts, if the fill has arrived, be sure that the goods will be sent, but if such material is available, it is better to do the fill on our drop, rather than in a clothing bag, in my opinion.
[19:44:30] <Hoseramires> In addition to this method of draining through shops, there is an opportunity to drain on your merch, the scheme is as follows, a legal entity is registered for drops in USE, then merch is registered for this legal entity to accept payments, and after that in This merch can be poured as BA or SS. Of course, there will be charges, but until your merch is closed, you can get more than tens of thousands of bucks into your account.
[19:45:25] <Hoseramires> This scheme is very profitable, but investments of about 7-8k$ are required at the start. It can be tried after understanding the intricacies of BA and the carding sphere in general, then when you have the knowledge and a team.
[19:45:53] <Hoseramires> 1 ACH & Direct Deposit transfers
[19:45:58] <Hoseramires> There are two ACH methods:
[19:46:01] <Hoseramires> credit (transfer initiation by the sender) and debit (transfer initiation by the recipient). Both types of ACH have a lot in common:
[19:46:20] <Hoseramires> Firstly, almost all banks allow ACH transfers only between the accounts of the holder himself. If they find out that the names do not match, they cancel the transfer and block them from the account they originated from. Therefore, it is necessary to do it between accounts for one holder, or in offices that do not check for different names (usually transactions above $500 are always checked). Such offices are worth their weight in gold.
[19:47:15] <Hoseramires> Secondly, the same mechanisms for linking an account are instant (by log pass, usually asking to accept the code) and through mini-deposits (here it’s enough just to link the account to the office, where you can see the transfers). With instant binding, the holder's name is automatically checked, with mini-deposits they can check it manually.
[19:47:55] <Hoseramires> - ACH credit (send, push).
[19:48:00] <Hoseramires> Posting time: Registered in the evening of the nearest business day (7-8 pm ET usually). After that, 1-2 business days will pass before funds are credited
[19:48:20] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual
[19:48:38] <Hoseramires> Amounts: depends on the bank, many allow you to send 10-20k per day
[19:48:47] <Hoseramires> Possibility of withdrawal after sending: at the first request of the owner of the account where the money went from within 90 days.
[19:49:04] <Hoseramires> Has relative usefulness. In order to send, you need access to your personal account and mail. The holder can be called if there are doubts and while he is on his way, they can cancel (after it reaches the holder’s application for the next business day, they will return it). Useful for sending between self-registers.
[19:49:44] <Hoseramires> - ACH debit (pull).
[19:49:49] <Hoseramires> Posting time: Registered in the evening of the nearest business day (7-8 pm ET usually). After that, 3 business days will pass before the funds are credited (sometimes they are already available on the 3rd day)
[19:50:13] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual processing
[19:50:32] <Hoseramires> Amounts: depends on the bank, many allow you to send 10-20k per day
[19:50:42] <Hoseramires> Possibility of withdrawal after sending: at the first request of the owner of the account where the money was sent from within 90 days.
[19:50:59] <Hoseramires> The best thing in the US banking system. PP uses this method, which is why it is so popular in our environment. But PP is one of the most crappy and low-paying companies with this method. You can withdraw money from the Brute (by going through other data on it, that is, a full acc route and the name of the holder), from new self-regs where the send is the wrong one for which the acc will be locked. The possibilities are endless.
[19:51:50] <Hoseramires> 2 Zelle (deposit to the receiver for % or replenish the exchanges and drain the crypt, or also a duffel bag for a drop) the method is very advanced, you need to look for private banks with the possibility of transfers via Zelle.
[19:52:17] <Hoseramires> But even if the method is nerdy, it doesn’t mean that it doesn’t work - Zelle translations exist and are in demand both from ordinary people and from our brother
[19:52:39] <Hoseramires> We need an approach that will appear with experience and tests.
[19:52:46] <Hoseramires> Posting time: within 10 minutes (auto), during the current business day (manual)
[19:52:58] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual
[19:53:16] <Hoseramires> Amounts: up to 2-2.5k per day usually
[19:53:21] <Hoseramires> Possibility of withdrawal after sending: in general no (exception - when within the same bank)
[19:53:35] <Hoseramires> I’ll tell you about Zelle, since I have the most experience with it. Our main task is to ensure that the payment goes through automatically. But each bank has its own characteristics. For example, in Chase you can make 2 automatic transfers to one recipient of up to $500 each and on different days. However, the third transfer to it will already cause manual processing (even if other conditions are met). Therefore, the method is suitable for cashing out small accounts with a valid email (you will need to accept a code for it), or if the holder often checks the account and ach cancels.
[19:54:47] <Hoseramires> 3 Wire translation (a dialer is required) this type of translation must be used after some experience in BA
[19:55:05] <Hoseramires> Posting time: this business day/next.
[19:55:12] <Hoseramires> Processing: always manual
[19:55:16] <Hoseramires> Amounts: practically unlimited (the largest of all types of transfers)
[19:55:27] <Hoseramires> Possibility to revoke after sending: no
[19:55:33] <Hoseramires> The most desirable type of transfer for our purposes. The wire can be sent to a crypto exchange or drop account. After receiving there is no hold, so such a transfer is not refundable! Unfortunately, almost all banks have closed the ability to make orders online (and those that don’t still require you to show your ID at the branch for the first time). There are 2 real options left:
[19:56:22] <Hoseramires> - Make an online war with BA from logs where they are enabled (here you need a lot of luck, the holder will be called)
[19:56:37] <Hoseramires> -Give instructions to make a wire drop (the main option, described in more detail below)
[19:56:49] <Hoseramires> Chase, Wells Fargo give online wares.
[19:56:56] <Hoseramires> 4 Bill Pay (make statements from the necessary offices to your BA and pay directly from it)
[19:57:09] <Hoseramires> Posting time: Registered in the evening of the nearest business day (7-8 pm ET usually). After that, 2 business days will pass before funds are credited (for payments to large companies) and 7-10 business days for payments to others (since they send a paper check)
[19:57:43] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual
[19:58:01] <Hoseramires> Amounts: Above a few k$ questions already begin
[19:58:09] <Hoseramires> Possibility to revoke after sending: Until the payment is credited or the check is cashed
[19:58:21] <Hoseramires> It was better before, but now the topic is completely killed. You can usually cast quickly only on credits, and cashing them out is also not an easy task (even if you cast drops on a card), antifraud is not asleep. Checks take a very long time to arrive, the only advantage is that you legally send them to another name.
[19:58:58] <Hoseramires> 5 Issue a plastic card to the CH address - then make a reroute to the drop, which will pour funds. The method is interesting, but requires experience and manual drops
[19:59:21] <Hoseramires> *************
[19:59:24] <Hoseramires> If we have a self-register, the task of draining the balance is added to our account; we can upload it in the following ways:
[19:59:42] <Hoseramires> 1) Bay with brut ba/ssshki. From brute ba we fill in through mini-deposits, CC - data entry (you need to select bins). I advise you to fill it out when registering. Start with 1-2k$.
[20:00:05] <Hoseramires> 2) Direct deposit - drawing a check and depositing it in an office that works through direct deposit. Or we send the check directly to personal area BA. Better through offices.
[20:00:29] <Hoseramires> 3) Bill Pay - placing a transfer from another bank to yours. Requires access to LAN, works well from logs.
[20:00:44] <Hoseramires> 4) External account - linking your BA to various offices or to the BA log. Next, drain onto your ba.
[20:00:59] <Hoseramires> 5) Wire - transfer of funds from another bank via wire transfer.
[20:01:09] <Hoseramires> After money appears on your self-register, you drain it in the same way as from betrothed accounts and accounts from logs, from those from which it was not possible to immediately drain, but from your bank it is possible .
[20:01:38] <Hoseramires> At the first stages it is very difficult to understand the definitions and types of transfers, but this is only at first, then, when a dozen tanks have been tried, registered from the heels of self-regs, everything becomes much clearer.
[20:02:07] <Hoseramires> There are a huge number of work schemes, your task is to find what will give you
[20:02:18] <Hoseramires> This is not a money button, banks adapt very quickly
[20:02:27] <Hoseramires> Anticipating your wishes, your thoughts that I want to work exclusively in BA, I’ll bring you back to earth, yes, the direction is profitable, but there is more competition, and the entry threshold is higher, and knowledge is needed by an order of magnitude more
[20:02:57] <Hoseramires> And for dating you need more, drops, drops, so you need to grow up to this direction.
[20:03:10] <Hoseramires> I’m always glad to see new faces, but constantly weigh your options.
[20:03:20] <Hoseramires> I’ll try to summarize the topic of BA, BA is a much more monetary topic than credit cards, but as in any money business, there are more pitfalls and difficulties of work, the main task is to find your own connection that will work,
[20:03:52] <Hoseramires> their own link is a bank - one, two, maybe three, which have the ability to send money in different ways, maybe to different names, but the task is to withdraw money from BA CH to BA selfreg or BA drop for cashing.
[20:04:23] <Hoseramires> For example, we have a Genesys BA with money in the account, you register a self-registered BA, for example, in Bank of America BOFA and send money from genesys to BOFA, and already from BOFA - since you already have more levers of work - you can send them to the drop for cash, but this is ideal
[20:05:01] <Hoseramires> situation, there are banks from which it is impossible to send money using a certain type of transfer, for example wire, then you need another bank pad for withdrawal from the CH bank to a bank that can accept, but this one The bank has a wire transfer, and you send it to the drop.
[20:05:40] <Hoseramires> there is a video of what you can do in the genesys bank, it’s like life-like - many banks have such videos - this is a hint on the bank’s capabilities and existing balance transfer options.
[20:06:06] <Hoseramires>
[20:06:10] <Hoseramires> look, it will be very useful for understanding.
[20:06:17] <Hoseramires> The topic of BA is limitless, which can feed you for more than one year, here you need to find your direction and hammer it until it dies, at the same time watch something new, undeveloped, etc. This topic is eternal, as is working with CC and carding in general. But the topic is financially expensive and requires a knowledge base in our field.
[20:07:03] <Hoseramires> this ends the lecture, ask questions and I will answer
[20:07:45] <ya8no> someone almost immediately deleted the note with the jars, is there another one?
“To do this, we need to break through the top-end Background under Trans Union and...” “Can you please explain what this means?
[20:08:34] <Hoseramires> ya8no: https://privnote.com/12A7ssMg#WDBKFiV4g
[20:08:59] <pyokey> What is a botnet?
What is ach?
[20:11:33] <Hoseramires> pyokey: bot no, this is a virus that is thrown to the victim in one way or another, which either simply opens access to the computer or steals data
ach is an abbreviation for ACH & Direct Deposit is a popular type of money transfer in the United States through a special electronic network between American banks.
[20:11:46] <Mr_Lotus> on the topic of the limitlessness of the topic ba. Do I understand correctly that this category of mat is optimal for driving in airlines and hotels?
[20:13:46] <Hoseramires> Mr_Lotus: well, I would say any topic is suitable if you find an approach, really any
[20:13:56] <KimJo> 1. “To do this, we need to break through the top-end Background under Trans Union and change the CH mail in the report to the mail to which we will connect the self-registration, in the same way we change the phone to ours and so on. " Is it possible to do this without anyone’s services, on your own? Where can I start?
2. Is it possible to register a Credit Account on a self-registered BA instead of depositing money into it from outside?
[20:17:58] <Hoseramires> KimJo:
1 you can do everything yourself, but if we’re talking about permanent work, it’s easier to contact someone because with good work it saves a lot of time, start with the website - go to it and register, it’s not difficult
2 you can register, and I think that you can find a bank where you don’t need to deposit your money, but there are very few such banks, almost all of them ask to top up a small amount
[20:18:16] <ya8no> the question was what kind of trans union, like, thank you))
[20:18:37] <korovka_stig> can you tell me the nuances about the plaid instant
[20:20:00] <Hoseramires> korovka_stig:
I didn’t work on it, I can’t say anything at all, each payment or ba may not be similar to the others, that’s why everything is individual
[20:20:07] <Stralixxx> You don’t know how to add your number to BG CH? I have seen many such offers on the market.
[20:22:06] <Hoseramires> Stralixxx: I did it before, but then I came to the conclusion that it’s easier to order from someone, such moments relate to the technical part, they themselves cannot scale profits, so they easily go into income services that do it efficiently
[20:22:14] <rus616> How are balances drained from VCC, example of self-registered bank foundation?
[20:25:30] <Hoseramires> rus616: there is no connection between a certain bank issuing vcc, and this is still a virtual credit card, and it, in turn, is just a credit card, and the method of draining, whoever found which method drains it that way , if it is on the market, then you can try to do it yourself, but as practice shows, not everything is so simple, someone found somewhere or somehow and makes money from it, or takes it for cash.... for this you need to look for testing, but here, like any card, there are shops, gifts, subscriptions and even crypto...
[20:25:37] <Stralixxx> Can you tell me the method please? Very interesting
[20:29:45] <Hoseramires> Stralixxx: start small, go to the website https://www.transunion.com/ and try to register there, it’s not difficult, but this way you will understand what data will be required from you, prepare a full document with dc. it will just be like training, but as for me it needs to be done for something and not just for the sake of it. if you haven’t even registered your phone number yourself, I would recommend starting with this rather than adding your phone number to the report...
[20:29:52] <rus616> Is it easier to order a checker for Brute BA or buy ready-made ones? How do you do it yourself? Or do you generally only use BA from logs, and use the brute force for general development?
[20:32:39] <Hoseramires> rus616: your questions are of a general nature, is brut the last century, or the year before, all modern banks have been installing 2FA for a long time, just knowing the login and password in 90% of cases you will not do anything and will not confirm, for this reason, something to brute is how to use telegrams that the postman carries - it still works, but is it necessary.... everyone decides for himself
[20:33:15] <korovka_stig> which banks do you recommend linking less problematic ones to offices via bank transwer, also the first and last name should match the office?
[20:39:17] <Hoseramires> korovka_stig: practice says that the American banking system is not like the Russian one, where everything is clear and there is SBP and transfers between all banks, in America it’s different - the possibility of sending a transfer between banks may or may not be possible complicated, because there will be no quick translation methods. and here you need to build on what you have. which bank is available, what kind of transfers are there. if there is nothing, then it’s impossible to advise anything, you can’t start and fix everything, there’s no point in that. and yes, almost all banks allow sending only to the same names, but there are nuances.... for example, if you have a John Smith account with money, then you can register an LLC like John Smith LLC and in this situation the bank can send money for the LLC, although this is just the name of the business, and the owner will be Vasya Ivanov....
[20:39:43] <Stralixxx> I have already registered ba and credit accounts and checking, but I’m just wondering how I can add my number to the bg
Do I understand correctly that this is done by regular ringing?
[20:39:49] <rus616> A little off topic: There are many sites like Dell.com and similar ones that are also ready
open a line of credit for you, and act like banks and are actually provided by banks (in this example, webBank). Have you worked in this direction, because this can be considered a kind of roll where the balance can only be spent on purchases in this store. And the second question
how can you track the emergence of new BA USA, because it is logical that it is easier to self-register for a new bank than for a damaged one.
[20:41:31] <Hoseramires> Stralixxx: I see that you already know something, but not everything, services can do as they please, somewhere by calling, somewhere by letter, somewhere by access to the database, this is not money, this technical point, you're focusing on the wrong thing
[20:44:48] <Hoseramires> rus616: a credit card from a company is a complex topic, I don’t know how it’s implemented and I’ve never seen such proposals, but that doesn’t mean you can’t do it, try it, you’ll only be fed by what you you find it yourself
There is no point in monitoring new banks, it’s not easier
[20:46:16] <Deneo1544> Hoseramires: besides Dedik, how else can you do it through Antique? many proxies last about a day plus or minus, if for example you log into your account through another IP, can they lock your account?
[20:48:52] <rus616> Hoseramires: About 7 years ago the topic worked, Dell gave huge credit lines, I spent them on expensive purchases, and the goods went to CH. My profit was in Gifts that were sent for soap after sending the goods. But these Gifts could be spent on new Dell accounts and sent to drops. Yes, the topic is tricky, but it worked)
[20:49:17] <Hoseramires> Deneo1544: socks live differently, depending on where you get them, there are services where you can rent for a day and then after a few days take the same sock again, and if they are obtained by hacker, dedics can die , here you need to adapt to what is
[20:49:24] <Stralixxx> What determines where the data from the card will come? It was always different for me, either they gave them right away, or they sent them to the post office, or they even wrote that they would send the plastic by mail.
[20:50:21] <Hoseramires> Stralixxx: it depends on the bank and nothing else, but we have a BA topic, and the data from the BA is given out immediately, either online or by letter
[20:52:05] <Hoseramires> rus616: all topics that bring money cannot be simple, and the more people know them, the faster they die\
[20:52:11] <rus616> We will still have lectures on BA with more in-depth study and maybe with video lessons on setting up the system for this discount and registration?
[20:52:23] <rus616> *work
[20:55:34] <Hoseramires> rus616: there is nothing here that requires any in-depth attention, if it’s a log, then you just need to download it, if it’s self-registration, then you need a clean sock and good mail, antifraud has nothing to do with you compare - you are the person who regs the account. The main thing in this direction is to find a bank, find a way to drain it. All. Each of the thousands of US banks is unique and it’s unrealistic to see it on video, the main thing is to understand the principles of the system’s operation
[20:57:04] <Hoseramires> if there are no questions, good luck to everyone! May the one who walks master the road!
[19:10:09] <Hoseramires> Greetings to everyone again
[19:10:13] <Hoseramires> I ask you not to flood,
[19:10:16] <Hoseramires> open the txt file and write down questions, after the end of the lecture - copy/paste - received answers - separated, everyone has a different typing speed, don’t make each other wait!
[19:10:42] <Hoseramires> Today’s topic will tell you about the world of Bank Accounts, this is not an instruction on how to raise money, but an excursion into the world of big money, where areas of work in BA are discussed.
[19:11:07] <Hoseramires> Let's start
[19:11:08] <Hoseramires> Once again, the topic of today’s lecture is BA-bank accounts, I will try to cover the topic in all directions
[19:11:24] <Hoseramires> What is it, where to get it, how to register, what to use, etc.
[19:11:35] <Hoseramires> Let's start with definitions
[19:11:38] <Hoseramires> Definitions may not be new and may overlap with other topics, we will repeat just in case.
[19:11:52] <Hoseramires> Full Info (aka Fullz) - data about a person containing SSN, DOB, First name, Last Name
[19:12:05] <Hoseramires> SSN - The American version of the TIN, but it has much more significance, it is the basis of a US citizen
[19:12:19] <Hoseramires> DOB - Date of Birthday- birthday
[19:12:25] <Hoseramires> MMN – mother’s maiden name. Mother's maiden name, many banks require that when registering, it is better to get a high-quality punch, so that there are no problems.
[19:12:44] <Hoseramires> DL - driver’s license driver’s license
[19:12:52] <Hoseramires> BG - Background Report additional information about CH - where he lived, when he was born, who he was married to, Mother’s, grandfather’s maiden name, etc.
[19:13:11] <Hoseramires> Credit Score is the trust score of the banking system for every person in the US, the higher it is, the better.
[19:13:25] <Hoseramires> Google Voice, Text Now and other similar services (there are about 80 of them) - receiving calls and SMS to the YUSA number, as there are many of them - when we mention the abbreviation GV - we will mean that these are any services to receive SMS.
[19:13:55] <Hoseramires> HVNC - Hidden Virtual Network Computing - a system for remote access to the computer desktop
[19:14:09] <Hoseramires> Checking - in Russian it sounds like settlement. Salaries come to him, almost all settlement transactions take place from him. The movement of funds is usually frequent, and the bank is loyal to debits from this account, but most holders more often monitor the movement of funds on it, which is logical. Some may not follow at all.
[19:14:54] <Hoseramires> Saving - savings account. Here, I think, everything is clear. Holder keeps his savings here. The main problem for us when working with safe accounts is the limitation on online payments for many banks (6 transactions per month, and in many mini-deposits are also counted as a transaction). Naturally, the bank monitors transfers on such accounts more closely. In some banks it is possible to open only a savings account.
[19:15:53] <Hoseramires> Loan - credit
[19:15:55] <Hoseramires> Mortgage
[19:15:58] <Hoseramires> Let's go further:
[19:16:01] <Hoseramires> So, in America there are hundreds of banks, in each of which you can open an account, and this is nothing more than BA. In some banks, an account is opened only during a personal visit, but in others it can be opened remotely - on the bank’s website
[19:16:32] <Hoseramires> In Ru this is hardly possible, but in America this is the norm of life.
[19:16:41] <Hoseramires> BA for our work can be divided into 3 types
[19:16:48] <Hoseramires> 1) Brute accounts, you can buy - they are almost always on sale, if not on sale from certain sellers, you can find them from others, from time to time banks strengthen protection, introduce authentication via SMS, Due to this, the opportunity to work with certain banks disappears.
[19:17:28] <Hoseramires> 2) Accounts registered by you yourself or purchased from sellers who register them for sale
[19:17:45] <Hoseramires> 3) Accounts from logs, you can either buy them from log sellers or from your botnet, or exchange certain links from logs with people.
[19:18:06] <Hoseramires> Let's consider each of these types of asthma in more detail
[19:18:14] <Hoseramires> I Brutus.
[19:18:16] <Hoseramires> Brute accounts are accounts obtained by simply searching through login/email-password pairs, an email database is purchased, and passwords are selected for it, everything happens automatically and depends on the password database that exists.
[19:18:46] <Hoseramires> These accounts are on sale as just the text login
ass and loginass and access to mail (loginass from mail), with access to mail accounts are much more expensive because . Most banks will enable two-factor authentication, in which, for any action in your personal account, a notification is sent to your phone or email. Having access to your email, you can turn off notifications to your phone and redirect them to your email, and put a filter on your email so that the emails from the bank they went to spam.[19:19:57] <Hoseramires> prices start from $50 to $500
[19:20:01] <Hoseramires> https://ibb.co/R4jn2Yn
[19:20:05] <Hoseramires> the price for such an account could be $400, or maybe $2K
[19:20:13] <Hoseramires> https://ibb.co/Fb2mFb0
[19:20:17] <Hoseramires> and this one costs $2,200 with access to mail, it has a lot of translation options, including Zelle
[19:20:32] <Hoseramires> the most important thing is what methods of withdrawing money exist in this bank (balance transfer)
[19:20:46] <Hoseramires> https://ibb.co/3kfs1b3
[19:20:49] <Hoseramires> It seems expensive, but if you understand what to do with it, you can take it off with ease
[19:21:02] <Hoseramires> a few more screenshots to understand the category
[19:21:09] <Hoseramires> there is such an interesting log with all access https://prnt.sc/zlouk1ztgAG2
[19:21:20] <Hoseramires> almost 2 million evergreen, with access to mail and RDP access
[19:21:29] <Hoseramires> such logs are sold for a lot of money, and they are taken by people who understand what goes where to whom and how much. Without understanding the situation, such logs are useless, just the magic of numbers.
[19:21:52] <Hoseramires> but this is the situation in any business, be it BA, CC or ROLLKA, if you understand the matter, you will return the investment at MINIMUM 5-10 times, this is supply and demand.
[19:22:13] <Hoseramires> Let's move on:
[19:22:16] <Hoseramires> II Samoregi.
[19:22:18] <Hoseramires> ____
[19:22:19] <Hoseramires> To create a self-registration we need
[19:22:25] <Hoseramires> Full Info, number for receiving SMS, Break through Background Report by phone
[19:22:35] <Hoseramires> Credit Score (credit history), E-mail (preferably corporate, or personal but upgraded)
[19:22:49] <Hoseramires> There are fulkas on sale with a credit score that has already been punched, it’s easier to buy ready-made ones
[19:22:59] <Hoseramires> The loan must be 700+, otherwise the bank will not give you a good deposit and will treat you worse.
[19:23:13] <Hoseramires> After we received the fulka+ acquired GV we need to break through BG-
[19:23:23] <Hoseramires> BG can be broken through on your own or you can purchase it, let’s consider breaking through on your own. It can be done on the following sites
[19:23:41] <Hoseramires> truthfinder.com
[19:23:43] <Hoseramires> spyfly.com
[19:23:46] <Hoseramires> checkpeople.com
[19:23:48] <Hoseramires> beenverified.com
[19:23:51] <Hoseramires> instantcheckmate.com
[19:23:55] <Hoseramires> peoplefinders.com
[19:23:58] <Hoseramires> spokeo.com
[19:24:00] <Hoseramires> I use truthfinder.com; on this site DOB is fully indicated, on the rest they almost always write the year and month, without specifying the date, but to complete the picture, you can use several sources, because they will complement each other
[19:24:34] <Hoseramires> These services are easy to work out CC - use it, don’t activate it for a year, it’s enough for you for a month, there is a high probability that the card will die and with it your account on these services, so do it for a month , that's enough
[19:25:07] <Hoseramires> If you took a full card without a credit score, then you can also get it yourself on the following services:
[19:25:23] <Hoseramires> experian.com
[19:25:26] <Hoseramires> transunion.com
[19:25:29] <Hoseramires> my.bankrate.com
[19:25:31] <Hoseramires> It is quite possible that at the stage of breaking through the BG or CS you will not be able to obtain the necessary information, in which case you throw away the full card and take another one.
[19:25:52] <Hoseramires> That's it, you got everything you need to start - a good full card with CS from 700 and BG - you can register.
[19:26:07] <Hoseramires> In the public there is a list of banks where you can register for a full card, there are quite a lot of them,
[19:26:21] <Hoseramires> in order not to clutter up the lecture, I provide a link to the list:
[19:26:29] <Hoseramires> https://privnote.com/iSQBpheC#neLhJudjd
[19:26:35] <Hoseramires> please DO NOT PRESS the destroy note now button and the note will live for 30 days
[19:26:46] <Hoseramires> These are public banks that you should start with, the deeper you delve into this area, the more you can do, just learn how to do self-regs on 2-3 banks, you will understand the essence of most self-regs
[19:27:17] <Hoseramires> We either use these banks or look for private offices. Some banks may put an account on hold for a day - this is bad, but maybe in a day the hold will be lifted
[19:27:39] <Hoseramires> To gain experience, I recommend starting with simple banks, such as:
[19:27:50] <Hoseramires> Bank of America
[19:27:52] <Hoseramires> Suntrust
[19:27:54] <Hoseramires> Chase
[19:27:56] <Hoseramires> To register in any USA bank, you must adapt to CH, when registering you do not need to thoroughly change all the hardware parameters, in this direction the fraud is looking at this but not closely, the main thing is that you had a clean IP and American DNS.
[19:28:35] <Hoseramires> I recommend using Amazon Dedices, which you can register yourself at aws.amazon.com
[19:28:50] <Hoseramires> To register, you need a service for receiving SMS (not all VoIP numbers allow you to do this), and some kind of CC processing, and do not forget that when working with cards in this direction, count on the long-term work of the received Dedik there's no way to do it this way
[19:29:26] <Hoseramires> It can work for several hours, or maybe for several months.
[19:29:36] <Hoseramires> After receiving RDP, I put Chrome and Proxy on it to change the IP. Changed the IP - adjusted to CH, changed the time to the time zone of CH - then register with the bank.
[19:30:03] <Hoseramires> If you have adjusted to CH, then you may not have any questions, but if your actions have aroused suspicion from the bank, or this bank already has a CH account, then you will receive a bunch of more questions, An example of them on the screen:
[19:30:33] <Hoseramires> https://prnt.sc/ryhhd1
[19:30:37] <Hoseramires> For example, which of these people do you know, on what street did you live in such and such a city, how old is Jack Brown (this is your uncle).
[19:30:55] <Hoseramires> They may also ask what is your payment on the loan from Bank of America, which you took out in 2014, this is where the Kyrgyz Republic will come in handy.
[19:31:14] <Hoseramires> Additional examples of questions: the color of your Chevrolet Camaro, what street does your street intersect with, the color of your eyes, etc.
[19:31:32] <Hoseramires> This is where your preliminary penetration of this CH through the BG comes in handy.
[19:31:43] <Hoseramires> You answer - and you are skipped to further steps, where you come up with an account login, password, PIN code
[19:31:58] <Hoseramires> https://prnt.sc/ryhjg7
[19:32:02] <Hoseramires> One of the steps will be to order a debit card. You most likely don’t need it, because... will be sent to CHs billing address, skip this step.
[19:32:23] <Hoseramires> If registration is successful (aprooved), go online immediately.
[19:32:33] <Hoseramires> Created a login / pass, then came up with secrets and wrote down the account and routing numbers for checking and saving accounts, confirmed your account by mail + number from google voice and do not forget to turn on alerts. In general, behave like CH.
[19:33:05] <Hoseramires> http://prnt.sc/ryvjzc
[19:33:08] <Hoseramires> There is another unpleasant moment, namely a change in credit history. When registering a new bank account (BA), an entry is made in the credit store and large banks carefully check this in order to prevent fraud. To do this, we need to break through the top-end Background under Trans Union and change the CH email in the report to the email to which we will connect the self-registration, in the same way we change the phone number to ours and so on.
[19:34:10] <Hoseramires> After all the manipulations, you receive a clean BA for work, to which only you have access.
[19:34:24] <Hoseramires> This service is popular now, special services will do everything for you, I’m just giving it as an example of the cost, https://ibb.co/gSsTYCJ. There are many similar services, choose based on reviews
[19:34:50] <Hoseramires> After registration (depending on which bank) in most cases we will be offered to top it up. If you have prepared a BA Brute for replenishment without punched information, you link it by account and routing numbers,
[19:35:20] <Hoseramires> then select the top-up amount and wait for the mini-deposits. After the mini-deposits arrive, you confirm them in your personal account, and the bank debits the funds from the Brute BA.
[19:35:44] <Hoseramires> I don’t recommend pouring a lot at once, top up up to $1000
[19:35:52] <Hoseramires> III BA from the lairs.
[19:35:55] <Hoseramires> On the one hand, the BA logs are the most complete, you have a Login
ass, there are cookies for logging in, there is mail to confirm your actions, but you can either receive this material from your own channel botnet, or buy[19:36:29] <Hoseramires> You link your BA self-reg to a bank from logs as an external account, but not all banks allow you to do this. Somewhere they can request a secret, somewhere they can receive an SMS, everything is individual.
[19:36:54] <Hoseramires> Here your experience will help you, over time you will already know which BA is good and easy to merge. For example, I can say that discover saving accounts can be merged into Movo if the log and cookies are in order.
[19:37:23] <Hoseramires> If Zelle is available, then it’s already written above how all this happens. The most important thing is not to be afraid of banks and practice more.
[19:37:42] <Hoseramires> Doing your own channel through your bot just for the sake of BA is expensive, here you need to sit closely on the logs, working through them completely, and links to shops and BA and Facebook, etc. and so on. or know where to implement them next. Buying BA from logs is expensive, but if you know what to do with it next, then it pays off. Almost all BAs from logs remain and are processed in private, because This is money in its purest form, what ends up on sale is something that the sellers themselves didn’t care about.
[19:38:48] <Hoseramires> A log with login + password + access to mail is 60% of your success, with this set there is a high probability of making a profit, you can lose up to 2-3k$, then you will need to call, draw or something to verify yourself differently.
[19:39:22] <Hoseramires> If you have your own botnet with HVNC, then you can manage the CH computer as well as your own with all the consequences - use BA, any CH accounts, etc. and so on.
[19:39:47] <Hoseramires> This scheme with its own bot is very profitable, but also very expensive. If you have HVNC for the bank, you are CH, and you can do with your BA everything that CH himself can do - you can transfer it to a decent drop-off manager for cash, but before these actions you must remove all alerts on your phone, transfer it all to email, and put it in the mail filters so that the CH does not burn,
[19:40:39] <Hoseramires> It is also possible to change CH’s phone number to your own in BA, assign a dialer to this number and receive calls
[19:40:56] <Hoseramires> Drops usually do not agree to accept fills less than 5k, which means we need a high-quality account and proper preparation. From one such high-quality upload you can earn $15 or $20k, but again, without a botnet this is almost impossible.
[19:41:29] <Hoseramires> Next.
[19:41:30] <Hoseramires> You have BA obtained in any way, what to do next?
[19:41:39] <Hoseramires> If it’s not self-registration that needs to drain money from CH, there are several ways:
[19:41:51] <Hoseramires> 0 payment in shops and your merchant:
[19:41:57] <Hoseramires> You can link your BA to PayPal, accept mini-deposts for confirmation and then configure the system to work with PP
[19:42:14] <Hoseramires> In addition to PP, you can also link your BA to other stores, including Amazon
[19:42:24] <Hoseramires> Payment with BA in shops has more confidence, but is also checked much more carefully. Most likely, for verification, in addition to mini-deposits, they will also require drawing. If you have linked and verified, then the shop can give you a good amount right away from the first input.
[19:43:00] <Hoseramires> Possibility of linking using the example of Amazon
[19:43:06] <Hoseramires> https://prnt.sc/xg9FMtkhYDHx
[19:43:10] <Hoseramires> There are also luxury shops that accept payment only from BA - where the price tag for goods starts from $2k. It’s hard to get into such shops because... In addition to BA binding, ringing and drawing are also required.
[19:43:39] <Hoseramires> The pitfalls are exactly the same as I described, the bank must be from a botnet, preferably with HVNC, since without HVNC we will not send more than 2-3k. But shops accept 100% payment to bank accounts, if the fill has arrived, be sure that the goods will be sent, but if such material is available, it is better to do the fill on our drop, rather than in a clothing bag, in my opinion.
[19:44:30] <Hoseramires> In addition to this method of draining through shops, there is an opportunity to drain on your merch, the scheme is as follows, a legal entity is registered for drops in USE, then merch is registered for this legal entity to accept payments, and after that in This merch can be poured as BA or SS. Of course, there will be charges, but until your merch is closed, you can get more than tens of thousands of bucks into your account.
[19:45:25] <Hoseramires> This scheme is very profitable, but investments of about 7-8k$ are required at the start. It can be tried after understanding the intricacies of BA and the carding sphere in general, then when you have the knowledge and a team.
[19:45:53] <Hoseramires> 1 ACH & Direct Deposit transfers
[19:45:58] <Hoseramires> There are two ACH methods:
[19:46:01] <Hoseramires> credit (transfer initiation by the sender) and debit (transfer initiation by the recipient). Both types of ACH have a lot in common:
[19:46:20] <Hoseramires> Firstly, almost all banks allow ACH transfers only between the accounts of the holder himself. If they find out that the names do not match, they cancel the transfer and block them from the account they originated from. Therefore, it is necessary to do it between accounts for one holder, or in offices that do not check for different names (usually transactions above $500 are always checked). Such offices are worth their weight in gold.
[19:47:15] <Hoseramires> Secondly, the same mechanisms for linking an account are instant (by log pass, usually asking to accept the code) and through mini-deposits (here it’s enough just to link the account to the office, where you can see the transfers). With instant binding, the holder's name is automatically checked, with mini-deposits they can check it manually.
[19:47:55] <Hoseramires> - ACH credit (send, push).
[19:48:00] <Hoseramires> Posting time: Registered in the evening of the nearest business day (7-8 pm ET usually). After that, 1-2 business days will pass before funds are credited
[19:48:20] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual
[19:48:38] <Hoseramires> Amounts: depends on the bank, many allow you to send 10-20k per day
[19:48:47] <Hoseramires> Possibility of withdrawal after sending: at the first request of the owner of the account where the money went from within 90 days.
[19:49:04] <Hoseramires> Has relative usefulness. In order to send, you need access to your personal account and mail. The holder can be called if there are doubts and while he is on his way, they can cancel (after it reaches the holder’s application for the next business day, they will return it). Useful for sending between self-registers.
[19:49:44] <Hoseramires> - ACH debit (pull).
[19:49:49] <Hoseramires> Posting time: Registered in the evening of the nearest business day (7-8 pm ET usually). After that, 3 business days will pass before the funds are credited (sometimes they are already available on the 3rd day)
[19:50:13] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual processing
[19:50:32] <Hoseramires> Amounts: depends on the bank, many allow you to send 10-20k per day
[19:50:42] <Hoseramires> Possibility of withdrawal after sending: at the first request of the owner of the account where the money was sent from within 90 days.
[19:50:59] <Hoseramires> The best thing in the US banking system. PP uses this method, which is why it is so popular in our environment. But PP is one of the most crappy and low-paying companies with this method. You can withdraw money from the Brute (by going through other data on it, that is, a full acc route and the name of the holder), from new self-regs where the send is the wrong one for which the acc will be locked. The possibilities are endless.
[19:51:50] <Hoseramires> 2 Zelle (deposit to the receiver for % or replenish the exchanges and drain the crypt, or also a duffel bag for a drop) the method is very advanced, you need to look for private banks with the possibility of transfers via Zelle.
[19:52:17] <Hoseramires> But even if the method is nerdy, it doesn’t mean that it doesn’t work - Zelle translations exist and are in demand both from ordinary people and from our brother
[19:52:39] <Hoseramires> We need an approach that will appear with experience and tests.
[19:52:46] <Hoseramires> Posting time: within 10 minutes (auto), during the current business day (manual)
[19:52:58] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual
[19:53:16] <Hoseramires> Amounts: up to 2-2.5k per day usually
[19:53:21] <Hoseramires> Possibility of withdrawal after sending: in general no (exception - when within the same bank)
[19:53:35] <Hoseramires> I’ll tell you about Zelle, since I have the most experience with it. Our main task is to ensure that the payment goes through automatically. But each bank has its own characteristics. For example, in Chase you can make 2 automatic transfers to one recipient of up to $500 each and on different days. However, the third transfer to it will already cause manual processing (even if other conditions are met). Therefore, the method is suitable for cashing out small accounts with a valid email (you will need to accept a code for it), or if the holder often checks the account and ach cancels.
[19:54:47] <Hoseramires> 3 Wire translation (a dialer is required) this type of translation must be used after some experience in BA
[19:55:05] <Hoseramires> Posting time: this business day/next.
[19:55:12] <Hoseramires> Processing: always manual
[19:55:16] <Hoseramires> Amounts: practically unlimited (the largest of all types of transfers)
[19:55:27] <Hoseramires> Possibility to revoke after sending: no
[19:55:33] <Hoseramires> The most desirable type of transfer for our purposes. The wire can be sent to a crypto exchange or drop account. After receiving there is no hold, so such a transfer is not refundable! Unfortunately, almost all banks have closed the ability to make orders online (and those that don’t still require you to show your ID at the branch for the first time). There are 2 real options left:
[19:56:22] <Hoseramires> - Make an online war with BA from logs where they are enabled (here you need a lot of luck, the holder will be called)
[19:56:37] <Hoseramires> -Give instructions to make a wire drop (the main option, described in more detail below)
[19:56:49] <Hoseramires> Chase, Wells Fargo give online wares.
[19:56:56] <Hoseramires> 4 Bill Pay (make statements from the necessary offices to your BA and pay directly from it)
[19:57:09] <Hoseramires> Posting time: Registered in the evening of the nearest business day (7-8 pm ET usually). After that, 2 business days will pass before funds are credited (for payments to large companies) and 7-10 business days for payments to others (since they send a paper check)
[19:57:43] <Hoseramires> Processing: automatic, but if the payment seems suspicious to the antifraud, there will be a call to the holder for clarification and manual
[19:58:01] <Hoseramires> Amounts: Above a few k$ questions already begin
[19:58:09] <Hoseramires> Possibility to revoke after sending: Until the payment is credited or the check is cashed
[19:58:21] <Hoseramires> It was better before, but now the topic is completely killed. You can usually cast quickly only on credits, and cashing them out is also not an easy task (even if you cast drops on a card), antifraud is not asleep. Checks take a very long time to arrive, the only advantage is that you legally send them to another name.
[19:58:58] <Hoseramires> 5 Issue a plastic card to the CH address - then make a reroute to the drop, which will pour funds. The method is interesting, but requires experience and manual drops
[19:59:21] <Hoseramires> *************
[19:59:24] <Hoseramires> If we have a self-register, the task of draining the balance is added to our account; we can upload it in the following ways:
[19:59:42] <Hoseramires> 1) Bay with brut ba/ssshki. From brute ba we fill in through mini-deposits, CC - data entry (you need to select bins). I advise you to fill it out when registering. Start with 1-2k$.
[20:00:05] <Hoseramires> 2) Direct deposit - drawing a check and depositing it in an office that works through direct deposit. Or we send the check directly to personal area BA. Better through offices.
[20:00:29] <Hoseramires> 3) Bill Pay - placing a transfer from another bank to yours. Requires access to LAN, works well from logs.
[20:00:44] <Hoseramires> 4) External account - linking your BA to various offices or to the BA log. Next, drain onto your ba.
[20:00:59] <Hoseramires> 5) Wire - transfer of funds from another bank via wire transfer.
[20:01:09] <Hoseramires> After money appears on your self-register, you drain it in the same way as from betrothed accounts and accounts from logs, from those from which it was not possible to immediately drain, but from your bank it is possible .
[20:01:38] <Hoseramires> At the first stages it is very difficult to understand the definitions and types of transfers, but this is only at first, then, when a dozen tanks have been tried, registered from the heels of self-regs, everything becomes much clearer.
[20:02:07] <Hoseramires> There are a huge number of work schemes, your task is to find what will give you
[20:02:18] <Hoseramires> This is not a money button, banks adapt very quickly
[20:02:27] <Hoseramires> Anticipating your wishes, your thoughts that I want to work exclusively in BA, I’ll bring you back to earth, yes, the direction is profitable, but there is more competition, and the entry threshold is higher, and knowledge is needed by an order of magnitude more
[20:02:57] <Hoseramires> And for dating you need more, drops, drops, so you need to grow up to this direction.
[20:03:10] <Hoseramires> I’m always glad to see new faces, but constantly weigh your options.
[20:03:20] <Hoseramires> I’ll try to summarize the topic of BA, BA is a much more monetary topic than credit cards, but as in any money business, there are more pitfalls and difficulties of work, the main task is to find your own connection that will work,
[20:03:52] <Hoseramires> their own link is a bank - one, two, maybe three, which have the ability to send money in different ways, maybe to different names, but the task is to withdraw money from BA CH to BA selfreg or BA drop for cashing.
[20:04:23] <Hoseramires> For example, we have a Genesys BA with money in the account, you register a self-registered BA, for example, in Bank of America BOFA and send money from genesys to BOFA, and already from BOFA - since you already have more levers of work - you can send them to the drop for cash, but this is ideal
[20:05:01] <Hoseramires> situation, there are banks from which it is impossible to send money using a certain type of transfer, for example wire, then you need another bank pad for withdrawal from the CH bank to a bank that can accept, but this one The bank has a wire transfer, and you send it to the drop.
[20:05:40] <Hoseramires> there is a video of what you can do in the genesys bank, it’s like life-like - many banks have such videos - this is a hint on the bank’s capabilities and existing balance transfer options.
[20:06:06] <Hoseramires>
[20:06:17] <Hoseramires> The topic of BA is limitless, which can feed you for more than one year, here you need to find your direction and hammer it until it dies, at the same time watch something new, undeveloped, etc. This topic is eternal, as is working with CC and carding in general. But the topic is financially expensive and requires a knowledge base in our field.
[20:07:03] <Hoseramires> this ends the lecture, ask questions and I will answer
[20:07:45] <ya8no> someone almost immediately deleted the note with the jars, is there another one?
“To do this, we need to break through the top-end Background under Trans Union and...” “Can you please explain what this means?
[20:08:34] <Hoseramires> ya8no: https://privnote.com/12A7ssMg#WDBKFiV4g
[20:08:59] <pyokey> What is a botnet?
What is ach?
[20:11:33] <Hoseramires> pyokey: bot no, this is a virus that is thrown to the victim in one way or another, which either simply opens access to the computer or steals data
ach is an abbreviation for ACH & Direct Deposit is a popular type of money transfer in the United States through a special electronic network between American banks.
[20:11:46] <Mr_Lotus> on the topic of the limitlessness of the topic ba. Do I understand correctly that this category of mat is optimal for driving in airlines and hotels?
[20:13:46] <Hoseramires> Mr_Lotus: well, I would say any topic is suitable if you find an approach, really any
[20:13:56] <KimJo> 1. “To do this, we need to break through the top-end Background under Trans Union and change the CH mail in the report to the mail to which we will connect the self-registration, in the same way we change the phone to ours and so on. " Is it possible to do this without anyone’s services, on your own? Where can I start?
2. Is it possible to register a Credit Account on a self-registered BA instead of depositing money into it from outside?
[20:17:58] <Hoseramires> KimJo:
1 you can do everything yourself, but if we’re talking about permanent work, it’s easier to contact someone because with good work it saves a lot of time, start with the website - go to it and register, it’s not difficult
2 you can register, and I think that you can find a bank where you don’t need to deposit your money, but there are very few such banks, almost all of them ask to top up a small amount
[20:18:16] <ya8no> the question was what kind of trans union, like, thank you))
[20:18:37] <korovka_stig> can you tell me the nuances about the plaid instant
[20:20:00] <Hoseramires> korovka_stig:
I didn’t work on it, I can’t say anything at all, each payment or ba may not be similar to the others, that’s why everything is individual
[20:20:07] <Stralixxx> You don’t know how to add your number to BG CH? I have seen many such offers on the market.
[20:22:06] <Hoseramires> Stralixxx: I did it before, but then I came to the conclusion that it’s easier to order from someone, such moments relate to the technical part, they themselves cannot scale profits, so they easily go into income services that do it efficiently
[20:22:14] <rus616> How are balances drained from VCC, example of self-registered bank foundation?
[20:25:30] <Hoseramires> rus616: there is no connection between a certain bank issuing vcc, and this is still a virtual credit card, and it, in turn, is just a credit card, and the method of draining, whoever found which method drains it that way , if it is on the market, then you can try to do it yourself, but as practice shows, not everything is so simple, someone found somewhere or somehow and makes money from it, or takes it for cash.... for this you need to look for testing, but here, like any card, there are shops, gifts, subscriptions and even crypto...
[20:25:37] <Stralixxx> Can you tell me the method please? Very interesting
[20:29:45] <Hoseramires> Stralixxx: start small, go to the website https://www.transunion.com/ and try to register there, it’s not difficult, but this way you will understand what data will be required from you, prepare a full document with dc. it will just be like training, but as for me it needs to be done for something and not just for the sake of it. if you haven’t even registered your phone number yourself, I would recommend starting with this rather than adding your phone number to the report...
[20:29:52] <rus616> Is it easier to order a checker for Brute BA or buy ready-made ones? How do you do it yourself? Or do you generally only use BA from logs, and use the brute force for general development?
[20:32:39] <Hoseramires> rus616: your questions are of a general nature, is brut the last century, or the year before, all modern banks have been installing 2FA for a long time, just knowing the login and password in 90% of cases you will not do anything and will not confirm, for this reason, something to brute is how to use telegrams that the postman carries - it still works, but is it necessary.... everyone decides for himself
[20:33:15] <korovka_stig> which banks do you recommend linking less problematic ones to offices via bank transwer, also the first and last name should match the office?
[20:39:17] <Hoseramires> korovka_stig: practice says that the American banking system is not like the Russian one, where everything is clear and there is SBP and transfers between all banks, in America it’s different - the possibility of sending a transfer between banks may or may not be possible complicated, because there will be no quick translation methods. and here you need to build on what you have. which bank is available, what kind of transfers are there. if there is nothing, then it’s impossible to advise anything, you can’t start and fix everything, there’s no point in that. and yes, almost all banks allow sending only to the same names, but there are nuances.... for example, if you have a John Smith account with money, then you can register an LLC like John Smith LLC and in this situation the bank can send money for the LLC, although this is just the name of the business, and the owner will be Vasya Ivanov....
[20:39:43] <Stralixxx> I have already registered ba and credit accounts and checking, but I’m just wondering how I can add my number to the bg
Do I understand correctly that this is done by regular ringing?
[20:39:49] <rus616> A little off topic: There are many sites like Dell.com and similar ones that are also ready
open a line of credit for you, and act like banks and are actually provided by banks (in this example, webBank). Have you worked in this direction, because this can be considered a kind of roll where the balance can only be spent on purchases in this store. And the second question
how can you track the emergence of new BA USA, because it is logical that it is easier to self-register for a new bank than for a damaged one.
[20:41:31] <Hoseramires> Stralixxx: I see that you already know something, but not everything, services can do as they please, somewhere by calling, somewhere by letter, somewhere by access to the database, this is not money, this technical point, you're focusing on the wrong thing
[20:44:48] <Hoseramires> rus616: a credit card from a company is a complex topic, I don’t know how it’s implemented and I’ve never seen such proposals, but that doesn’t mean you can’t do it, try it, you’ll only be fed by what you you find it yourself
There is no point in monitoring new banks, it’s not easier
[20:46:16] <Deneo1544> Hoseramires: besides Dedik, how else can you do it through Antique? many proxies last about a day plus or minus, if for example you log into your account through another IP, can they lock your account?
[20:48:52] <rus616> Hoseramires: About 7 years ago the topic worked, Dell gave huge credit lines, I spent them on expensive purchases, and the goods went to CH. My profit was in Gifts that were sent for soap after sending the goods. But these Gifts could be spent on new Dell accounts and sent to drops. Yes, the topic is tricky, but it worked)
[20:49:17] <Hoseramires> Deneo1544: socks live differently, depending on where you get them, there are services where you can rent for a day and then after a few days take the same sock again, and if they are obtained by hacker, dedics can die , here you need to adapt to what is
[20:49:24] <Stralixxx> What determines where the data from the card will come? It was always different for me, either they gave them right away, or they sent them to the post office, or they even wrote that they would send the plastic by mail.
[20:50:21] <Hoseramires> Stralixxx: it depends on the bank and nothing else, but we have a BA topic, and the data from the BA is given out immediately, either online or by letter
[20:52:05] <Hoseramires> rus616: all topics that bring money cannot be simple, and the more people know them, the faster they die\
[20:52:11] <rus616> We will still have lectures on BA with more in-depth study and maybe with video lessons on setting up the system for this discount and registration?
[20:52:23] <rus616> *work
[20:55:34] <Hoseramires> rus616: there is nothing here that requires any in-depth attention, if it’s a log, then you just need to download it, if it’s self-registration, then you need a clean sock and good mail, antifraud has nothing to do with you compare - you are the person who regs the account. The main thing in this direction is to find a bank, find a way to drain it. All. Each of the thousands of US banks is unique and it’s unrealistic to see it on video, the main thing is to understand the principles of the system’s operation
[20:57:04] <Hoseramires> if there are no questions, good luck to everyone! May the one who walks master the road!
