What is a credit card dump and what does it contain

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A credit card dump is a term used in the context of cybercrime to describe data copied from a bank card's magnetic strip or chip. This data contains all the information needed to perform transactions and can be used to create clones of cards or commit fraudulent transactions. However, it is important to understand that using dumps is illegal and is punishable by law.

Let's look at how a dump works and what it contains:

1. What is a credit card dump?​

A dump is a digital copy of the data read from a card's magnetic stripe or chip. This data is used to imitate the original card on a physical medium (e.g. a blank magnetic stripe card). Dumps are often sold on the darknet and used for fraudulent purposes.

2. What does the dump contain?​

A credit card dump typically includes the following data:

a) Magnetic stripe tracks​

The magnetic stripe contains three data tracks:

• Track 1: Includes cardholder name, card number, expiration date and additional characters.
  • Example: %B1234567890123456^DOE/JOHN^250510100000000000000000000?
• Track 2: Contains the card number, expiration date and service information (Service Code).
  • Example: ;1234567890123456=25051011234567890123?
• Track 3: Rarely used and contains spare or additional data.

b) Chip data (EMV)​

If the dump is obtained from the card's chip, it may include encrypted data such as:

• PAN (Primary Account Number) – primary account number.
• Card validity period.
• CVV (Card Verification Value) is a security code.
• Cryptograms for transaction authorization.

c) PIN code​

In some cases, the dump may also include the PIN code if the carders were able to obtain it through skimming devices or other methods.

3. How are dumps created?​

To create a dump, scammers use various methods:

a) Skimming​

• Installing skimmers on ATMs or POS terminals to read data from the magnetic strip of a card.
• Using hidden cameras or overhead keypads to record the PIN code.

b) Hacking databases​

• Attacks on companies that store customer data (shops, restaurants, online platforms) to gain access to databases with card information.

c) Malware​

• Malware that steals data from victims' devices, for example through infected links or applications.

d) Darknet purchase​

• Fraudsters buy ready-made dumps from hackers or other criminals who specialize in data theft.

4. How are dumps used?​

Scammers use dumps for various purposes:

a) Cloning cards​

• Writing data to a blank magnetic stripe card.
• Creating counterfeit cards for use in stores or ATMs.

b) Online shopping​

• If the dump contains the card number, expiration date and CVV, fraudsters can use this data to make purchases online.

c) Cash withdrawal​

• If carders have obtained the PIN code, they can use the cloned card to withdraw money from ATMs.

5. Why are dumps becoming less effective?​

Modern technologies have made the use of dumps much more difficult:

a) EMV chips​

• The chips contain encrypted data that is virtually impossible to clone without access to the secret keys.

b) Anti-fraud systems​

• Banks and payment systems actively monitor suspicious transactions. For example:
  • Transactions from another country or city.
  • Unusual amounts or frequency of transactions.

c) Abandonment of magnetic stripes​

• In many countries, magnetic stripes are no longer supported because they can be easily copied.

6. Legal consequences​

Using credit card dumps is a criminal offense. Most countries have severe penalties under their laws, including:

• Imprisonment.
• Large fines.
• Confiscation of property.

7. How to protect your data from theft?​

To minimize the risk of becoming a victim of fraud, follow these steps:

a) Be careful when using cards​

• Inspect ATMs for skimming devices before using them.
• Cover the keyboard with your hand when entering your PIN.

b) Use modern technologies​

• Prefer cards with a chip and contactless technology (PayPass, PayWave).
• Enable two-factor authentication for online transactions.

c) Check your accounts regularly​

• Check your account statements for suspicious transactions.
• Report any unauthorized transactions to your bank immediately.

d) Contact the bank​

• If you suspect your data has been compromised, request a replacement card.
• Make sure your bank provides real-time transaction monitoring services.

8. Conclusion​

A credit card dump is a dangerous tool used by fraudsters to steal money and personal data. Modern technologies such as EMV chips and anti-fraud systems have made life much more difficult for carders. However, it is important to remain vigilant and take steps to protect your data.

Remember that using dumps or participating in their creation is a criminal offense and can lead to serious legal consequences.