A credit card dumps is an unauthorized digital copy of the information contained in the magnetic strip of an active credit card, such as the card number and expiration date. The information can then be used to create a fake credit card to make purchases. “Credit card dumps” is yet another term originally used underground that has found its way into wider public awareness because of the increasing prevalence of credit card forgeries, identity theft, and other types of cybercrime.

How Criminals/Hackers Get Credit Card Dumps.

The magnetic strip contains three strips or tracks of information. The first track contains the credit card number, the credit cardholder’s name, and the credit card’s expiration date. The second track contains the credit card number and the expiration date. The third track contains information about customer loyalty programs.

Criminals often obtain credit card dumps through credit card skimmers. Skimming devices can be installed onto existing credit card swipe machines, like those on ATMs or gas station pumps. When a customer swipes their credit card through the skimming device, the device captures the information held on the credit card’s magnetic strips. Credit card dumps can also be obtained by hacking a merchant’s credit card car machines or by installing spyware on their machines.

Stolen credit card information isn’t as expensive as you might think. A Forbes.com story in 2012 reports a 19-year-old kid who exchanged 15 credit card dumps for a DSLR camera and $250 in cash. The cash paid for 10 of the dumps works out to about $25 each. It’s a small price considering the amount of damage a thief could do with a credit card before the credit card issuer or the cardholder notices.


Credit Card Dumps
Credit Card Dumps

Credit Card Dumps are used by carders to clone real cards and then use the clones as the genuine. So, those clones are duplication of the real cards and can be used like the real cards. How is it possible?

The answer is Dump!

Dump is a bank data connected to a bank account and encoded to the magnetic strip of the bank card. So each card is attached to a bank account. The card is a terminal which allows the account owner to access his account fund without necessity to walk into the bank. Cards can be used with ATM or POS, this are also bank terminals. So if someone gets access to the information stored in the magnetic strip of the card then he has full access to the owners card account and the money saved in it.

That is not difficult to steal a dump from the card. Dumps obtained by skimming, sniffing or hacking. So each and every time a person pay with the card he or she assume the risk that the card data could be stolen.

Bank dumps have usual 3 tracks, but if any of the 3 tracks is correct and there is a sufficient quantity of funds on account then the card is good to be used and the requested transaction can be approved.

Track 1 is the only track of the card which contains the holder name. Carder use to change the name from the track to match with the fake ID’s they have or with the name embossed on the plastic. This track is written with code known as odd parity or DEC SIXBIT. Track 1 format is.


B5466160081187237^SHORT/JAMES D ^140910100000023001000000415000000

START SENTINEL = is 1 character, usual %

FORMAT CODE = a single character, financial cards format code is B

PRIMARY ACCOUNT NUMBER (PAN) = usual is the card number, but not always

FIELD SEPARATOR = financial cards use a single symbol for it which is ^

NAME OF CARD HOLDER = contain 2 until 26 characters

FIELD SEPARATOR = symbol for it is ^

EXPIRE DATE = in format YYMM (year, month)

SERVICE CODE = three characters

DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV.

END SENTINEL = is 1 character, usual?

Track 2 it is the track developed by the banking industry and it is most important track of a dump. Almost all dumps will work if this track 2 is correct. It is written with a 5 bit-scheme, 4 data bits and 1 parity. This track data format is

START SENTINEL = is usual 1 character;

PRIMARY ACCOUNT NUMBER (PAN) = usual the card number

SEPARATOR = usual symbol = is used

EXPIRE DATE = in YYMM format

SERVICE CODE = a three digits code

DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY  (it is not the ATM PIN), card verification value, CVV

END SENTINEL = usual the symbol ?

Track 3 is virtually unused by the major world wide networks. It was developed by Thrift Saving Industry. Points Of Sales does not read this track.


The card service code is a 3 digits code present in both track 1 and track 2. Each of 3 digits of the code has a meaning and reading this digits together as a service code let us know where and how the card can be used.

If the first digit is:

  1. 1-card is for international use
  2. 2-card is for international use but has chip
  3. 5-card is for national use
  4. 6-card is for national use but has chip
  5. 7-card is not good for interchange except for bilateral agreements
  6. 9-test card

If the second digit is:

  1. 0-card is normal, without restriction
  2. 2-issuer must be contacted via online means
  3. 4-issuer must be contacted via online means except under bilateral agreements

If the last digit is:

  • 0-no restriction but PIN is required
  • 1-no restrictions
  • 2-card can be used for goods and services payment but not for cash
  • 3-ATM use only, PIN is required
  • 4-cash only
  • 5-card can be used for goods and services payment but not for cash but PIN is required
  • 6-no restrictions, PIN should be used where is feasible
  • 7-card can be used for goods and services payment but not for cash but PIN should be used where is feasible

So, the card magnetic strip or/and chip contain all the information to access and operate a bank account connected to this card. If someone copied a card magnetic strip, that person can use a machine called MSR, Magnetic Strip Reader-Writer and write the data from the card to another card and use the clone as the genuine card.

If you think that it is hard to copy the magnetic strip to a card you must know that a simple swipe to a mini MSR or the swipe of card in a compromised POS is all the carders need to get the data from the genuine card and get the access to the card owners account. So it’s easy to start the business



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