 First of all, Mastercard and Visa. Visa uses first combination of four. You can easily tell that if you look at a credit card. Mastercard is usually five. Now, if theoretically, this is going to be all theoretically, so I don't have to take a fifth amendment every time I talk with you guys, theoretically, if you were to rip off a credit card, first of all, you need 16 digits. The first four are most important. Then, if you pick up all 16 of them, you're still not even there yet. Second of all, you need a personal identification number, which are three to four digits behind the credit card. They're right behind the account number. At that point, you have two important things. Everything else, except for the expiration date, you can pull off through the net or through your own research. Let's begin off. You have the person's individual name. Usually, it's through mailing address. Sometimes, they'll get smart and they'll put their middle initial through there. Second of all, 16 digit combination number, which is credit card. Most credit card companies these days are not that smart and they won't put the picture on there. It doesn't make a big deal anyway. Third thing is the expiration date. That's very important. The personal identification number that's back in the card only works if you want to get money. Now, I'll give you an example. For Western Union, you can get up to about $900 in free cash using your credit card if you do it correctly. The catch is that you need a personal identification number. Now, this is not through a carbon copy. This is not something that you can basically get by go trashing or going through Mervins or Macy's. This is something that has to be up close and personal and you need to see the back of it. It's easy to remember. Credit card these days are, fraud is basically getting stuff for free. It's the reinvention of, I don't have this, so I'm going to take it from you. Garbage picking, that's always a good way. For anything under about $500, garbage picking works. Carbon copies are probably the best thing that you could get if you want to do credit card fraud. For the main purpose is that it has all the information out there. It's like a global picture of what you are looking at or what you need. You have a name there. Well, that name after first further research can lead to your objective. However, what we're going to do right now is someone give me an online store, something that they've always wanted. Anything. We're going to within a reasonable amount of money. We're going to choose, we'll choose the Dell 5000 series laptop. Okay, first of all, let's do this. When you log on to Dell, you don't need a username. You don't need a password. You can order the information. Let's just say you ordered CDRW, a DVD, extra battery, the full monty on everything about it. Next thing, as for the individual's name address, two ways you can do this. One, you can get the address of the individual and you can basically intercept that package, have it be through their home or for the business. Second of all, most credit card companies and businesses do talk to each other or people. They're not silent partners. Credit card companies do not like to get screwed on stuff, especially to insurance companies. What they'll do is that they'll check the address. They'll call up, they'll check the name, they'll check the address. However, if you call and say, so and so, this is my business. I'm having it sent here, but this is what my local address is and put in a footnote. You will get that product at that address stating it's a business. UPS won't even really care if it's a business or not. It'll have a title right there. It'll say, Acme Warehouse Company. It could be run out through your home, preferably not your own. Now, to order this. Second of all, you can do multiple credit cards. If you're really lucky and you happen to get a person that's really stupid. That's about three or four. High price credit cards have to be through Capital One. Usually, Capital One is the best if you want to get what you want. You can tell between a debit card and a regular credit card that means Washington Mutual, Wells Fargo, yada, yada, yada. Debit cards have a limited shelf life for the main reason is that they're mostly broke just like me. I'm a college student. So that point is you can pick and choose just remember what you're ordering. If you're going to order a $5,000 laptop with a debit card, it's not going to happen. There's just no way in hell that you're going to get this. However, if you use some Discover card or Visa, Mass card, something that happens to have a high price limit that you know has a high price limit, then the chances are that you're going to get it. Now, you can do this. For the Dell laptop, you can actually put multiple credit card numbers into there. And at that point, it's exactly the same if you're putting one except that your chances are decreasing, that you're going to get caught, you're going to come with you, come to you in one piece. Now, here's another pointer. For those of you that like your product within next day air or same day air, no. That's mainly what credit card theft, what they look for. They look for the quickest possible route. If you do your homework correctly in the way I explain it to you, you'll do fine. Now, okay, back up here. We ordered a laptop. And however, they need some information. They need some communication device. They need some way of trusting you. One way to do that is through email address. Now, mostly, if you use AOHEL, no. Use some private public free email. Have it be Hotmail or Yahoo. Go create an email address that happens to be reasonable to the person's name. Use their full name, first letter. Don't do anything fancy. If you use the simplest route, you're usually going to be right about it. Use, let's say, R. Jones, 69. And do something like that at Hotmail.com. Put all the information in that you happen to know. Address, birth date, telephone number. Make everything accountable and acceptable. As they go back and check it, they'll see this information is correct. This person must be trying to scam us. A person that happened to have the credit card. Not you. Second of all, when you happen to order this, it would be good if you happen to have a telephone that was besides theirs. You can put their home address one. If you put their business one during the daytime, they usually have it at a place where you can call between these and these times. Usually for Dill, they'll call between the daytime. Usually around 12 to about 4 p.m. business hours. That's the best time. So get a phone where like a friend's phone or someone that you really hate and you can tap into their phone line. That's usually the best line to do it. Now, you got it ordered. Your information is correct. Okay, what's next? Location. We'll start off with... Let's see if I'm incredibly sleazy and I'm going to screw over someone's life completely. I'm going to use someone's home. Now, I'm not going to use my own home. That's Cardinal Rule number one. Never send it to your own home. Ever, ever, ever. That's script newbie kit right there. Two, if you're going to send it to someone else's home. First, you can send it to your friends. That's completely fine. One, you don't mind using that friend if that ever happens. If they come back and say, well, this will send it to your home. Are they going to care? Or do you really want to keep that friend? Say, well, someone that you hate, that's usually a good thing. If it's someone that you hate, you have the tracking number. You have all the information. They don't. You can go there, intercept the package and get it and they won't know the wiser. They're going to go around, that this was their credit card theft. They're going to go to that home, realize package isn't there. I never signed for it. If you do have to sign for it, sign it, scribble a name. Scribble the name that was on the package. UPS have a very short-term memory. They do approximately 50 to 100 shipments per day. They're not going to remember one face for one package about seven days later. They won't really remember a face if it costs for an ID. Okay. Now, let's just say we got the laptop. That's good and dandy. Let's move on face to you. Let's move on something a little bit smaller. Let's just say an Omega watch. It's a little bit cheaper. It's about $1,500 if you're medium price for it. Now, let's just say we don't have a carbon copy. We didn't go trashing. What other ways are there? Well, first of all, if you ever realize that some restaurants still print all of the credit card number on the receipt, even though it's against the law. Now, that's stupid. They print the number, they print the expiration date, and they even print the guy's name fully for you if you can believe that. That's one way of doing it. You won't have a personal identification number, but you really won't need it anyway. The only research that you'll need to do is tracking down who he is. If it happens to be in San Francisco, it's going to be a little bit harder, but for a small town, depending on your resources, get it to some extent correct. Hopefully, there's not any large numbers for the person that you happen to swipe their credit card. Try Homebase, Home Depot. You'd be surprised that when you make a deposit for different tools, different merchandise, it happens to be over about $500,000. You actually need to give a credit card number, your name, expiration date, everything. Even your personal identification number in the back, they do take. Now, first of all, they print a receipt, second of all, they write it on no piece of paper. Now, they also stick this in a place where it is accessible to you and I, Joe. Now, you can get it that way. That's another way of doing it. Third way is what I call the up close and personal rule. The up close and personal rule is you happen to see a credit card, hang on table, that may be a place, someplace that you're a guest, something like that. You don't want the individual or you just need a credit card. You can look at the number and if your memory is good, or if you're a quick writer, you can write down the number, look in the back, write down the expiration date, and the personal identification number, I'm sorry, on the front, and the name, the address, phone number, you already have because you were at the place of the residence. That's very, that's probably the best way that you can get away with a credit card number and usually no one will be the wiser. There is a fourth way and that's the old fashioned way of hacking which I'm not going to tell anyone how to do here because then I will be in real big trouble but I will tell anyone after this session on how to do it, especially for American Express Cards. There are certain items that you can get. One is about $5,000, maybe $6,000. Do not go for anything about $10,000 or more. This is not the March of Dimes. It's not good will where you'll be easily able to get this. This is items like watch, CDs, mini-disc, mini-disc player, anything. Now there are a good couple of sites you guys might want to take a look at, one of which I think you'll enjoy. Microsoft, you can easily get it. Costco.com, Circuit City, Walmart, any computer place that has happened to have computer software, computer hardware, even merchandise, jewelry, stuff like that that are online do not have the safest credit card protections. If you can even believe this, even DeathCon has got scanned about $2,000 in credit card theft for people like you and I'm not the only person that's heard about this, for t-shirts, for everything. Now I'll give you some items that you can order and cannot order. Jesus, you can watch people order Costco.com for example. Costco.com you can basically order anything there. The only thing that you're going to need to worry about is the mailing address because they will check that and that is their main source for identification. For Circuit City for CompUSA for a lot of other stores they only check the name, their expiration date make sure everything lines up. They do not check the address. The address as of this point is almost a sheer proof way without saying that you are a credit card or you are not a credit card thief. Items do not get let's see, jukeboxes handguns explosives chemicals things that would be hazardous that would sort of tip the eyes off the FBI that I'm ordering nitrogrysalin through a New Jersey chemical factory that's not the best way to get people's attention. Now, if you order a CD player that's a little bit better that's not blowing up a federal building and they're not going to really care about that. If the item is 5000 or less most times you're not going to get household buy it from your fact that the insurance companies will cover it. If it's over that and you happen to get really risky and you happen to order something above 5000 there is a chance that there will be an investigation for that particular item. Now let's see the significance of what you are doing is dangerous. There are police officers out there that spend their entire lives to take us down. Now I'll give you an instance I was just told while I was at death con. An individual he was good he did credit card thieving however he ordered it through stores that were locally and then he picked them up what's wrong with this picture first of all you're using personal identification you ordered it that's fine they're going to check it however you have to come pick it up no no one else pick it up you go hire some lackey that happens to be at the park or something give them a 20 and say can you go pick this up for me he doesn't know you he doesn't know anything about you he doesn't know your name all you know and all he knows is that you gave him an Andrew Jackson to go do a small little deed that's as far as you need to go do not do personal pickups because if by chance that credit card item company cause that individual says I never ordered something like that next thing they know is when you come pick up the item you will be arrested and depending on the item this individual ordered $5,000 worth of stuff he is going to get about three to five years no probation and he is over 21 so at that point it is a risky business but how much is enough in most cases it is the best way to do it locally unless you have friends out there in businesses if you have up and down like a secretary ex-girlfriend somebody down in a far town that you can use what you can do is that you can actually fake the name it is possible to change the name of the credit card and have it used what it is is that ironically if it's for a business usage the name is bypassed when checking all it is checked is the credit card number for some reason credit card companies feel that your business you are not going to do something like this only personal usage is checked so let's just say we order $250 worth of merchandise at some anonymous store and I actually changed name from the billing to the shipping so we have Jane Doe that is going to be built for however we have Roger Hamilton that is being sent to that is pickup number one most credit card companies would question that however they are going to first call now if they happen to call the business and the business says yes Mr. Hamilton is here however he is in a meeting we would like to take a message that right there they are not going to check it just one of those things that stupidity allows now that is fine and dandy second thing if it is even better that your friend happens to be secretary she can sign for it and case in point right there you are off the hook she signed for it as far as she knows Roger Hamilton ordered it it works once that is ordered she can send it to you or you can basically go pick it up end of story call no rule first of all don't send it to your home once you order that item and you send it to whatever address do not use that address again don't even look at it as a possible location it is just not going to happen first time is lucky second time they are going to start to be a little suspicious when some road down there is starting to receive packages every week from different companies it is not a good thing there is two types of internet that people can order one is internet based and one is land based internet based internet you are most likely going to get scoffery on it land based they are used to the security and the security will be a little bit tighter heaven forbid I am not going to say this I am not going to burn in hell someday for saying this you can use the resources of AOL that has god awful how many internet sites that you can order stuff from that have the most rock security you have ever seen for credit card theft I know I have done consulting for them it is sad on how easy you can get away with credit card theft now if you do a land based be aware that there is two ways one if you happen to order through a land based internet you can have it sent to their store in your town and then that store can send it to an address now if that store sends it to an address they are not going to check the address that is on the credit card so right there you can use the store as a pond to send it off and it is really no matter right there about the address have it be for business or personal usage for how are you at stores that are land based you need to be aware that they are profit margin if you happen to rip off circuit city that is fine they are not going to really give a crap however if it is a land based internet have it be for your average store that happens to have a web page on there that is not going to happen right there because they are going to feel you just screwed them out of so much amount of money and they are not going to realize about insurance or anything like that now you need to be aware for insurance if theoretically someone took someone else's credit card they are not going to be liable for the first $50 of that item so in a sense if I happen to rip off their credit card it is only $50 in their hole now most people don't know that and if they don't then they need to do the contracting work for that to actually find out information regarding that so let's do a little example if I can actually get this to work go figure to send me an over fuck it I know we are just going to do this the fun way we are going to use someone to average Joe's credit card number and we are actually going to attempt to order it we are going to have some fun with some people today anyone wants I do have no private collection excuse Mr. Donner Jones here Donner Jones has this number and they have this number right here now my regretfulness to tell you is that for personal identification numbers they can be in the form of 787 or they can be 4211 the four digit numbers are more secure you can realize that if you have a four digit number the more likelihood of you being researched and having an investigation put on you will be higher if it is three digit numbers the likelihood of anything happening to you is zero to none now how you can tell that Mastercard and Visa really rely on insurance companies if you happen to rely on American Express maybe discover sometimes their likelihood of they actually starting an investigation is high because they don't like to get screwed over that's if you're going to do American Express just be aware of the consequences a little bit more than usual now we have Mr. Donner Jones here first thing we are going to do is let's use hotmail and for Mr. Donner Jones let's give him this say Jones 4 6 Mr. Donner Jones 4 6 now do not do this from your own computer do not do this from a friend's computer not one that you care about go to a library go to a place where it has public computer access now here's a couple points why you want to do this when you happen to do this hotmail yahoo they send a little cookie to that computer that little cookie remembers the username and password now if an investigation were to come back they find that computer in your position and your home and they go back saying oh they have a cookie from Mr. Donner Jones on your laptop or on your computer how did you get that it's a pretty big gimme right there that you did the crime so do it from someone else's computer don't like or do it from a library or even a college like some university that happens to have library access or a lab access that you can easily get into that's the best way to do it same thing is we're going to oh let's fuck over circuit city today I'm in a really bad mood circuit city let's order a pump pilot 7x now Mr. Donner Jones happens to have a capital 1 card now for capital 1 let's make this and I know I said this go figure a switch let's make this a 4 from first tell right there that's going to be a visa now if it's a 5 like I said it's going to be a master card now visa is probably the most preferable one to use so okay we have a visa now we're going to set the expression date as 0103 plus the identification number is no one void you really don't need it at all now we're going to do all the information for the email we know where he lives we know his phone number if not make one up you just want to make the email as realistic as possible if they happen to go back to that email address so we have Donner Jones 46 at hotmail.com and we're going to order a pump 7x so now we order it it asks us for the address which send this to a supposed business now if we happen to live with just saying Klamath Oregon I'm going to send this to the Klamath Oregon and I would happen to live in a city in California that happens to be right on the border what we're going to do is we're going to say for Klamath Oregon that this is a automotive department this is a small mom and pop store right there send it there on a footnote there's always comments what you can do is you can call that's even better you can call and say that this is my address which you would know and same thing is that I realize that this address is not my shipping address it's just my billing but this is my business and this is a pathetic stupid type it works with these people male or female, I don't care what the anarchist cookbook tell you there's some really smart females out there that you cannot con there's some really stupid males out there that you can really screw over if you happen to talk to them so just remember that that sex really does not matter when you talk to an individual if you happen to get the particular stereotypic woman that's been doing this for a while if you're really nice to her do everything by book you say thank you, you say ma'am you say everything else that would happen to be a polite gentleman usage nothing is going to be suspected however if you're an ass wipe and you happen to piss her off she's going to suspect something is wrong and she's not going to really go for anything so we send this to the Kramath that's fine it's a business on our automotive department store anything like that that's fine at that point it's going to say UPS Ground so there is two days over night, there's three days over night there's just regular UPS Ground we sit at UPS Ground that's going to take about seven to ten days to get to you I'm not going to really worry about a Palm 7 PDA that's going to be $300, $350 and have the credit card company run it like that if it's over $1,000 they usually do a priority run on it if it's less than that it gets put into the in the dated box where it could take five days it could take ten days depending on how filled this is if you do it during Christmas that's like the best time of the year Santa Claus was nice to everyone now you send this to there you get it now what? options you can come up with one, you can say you can play Mr. Donner let's just say Mr. Donner I'm calling up UPS and I'm going to say that I never ordered this that I don't know who this is etc etc and you say that you never ordered this product UPS is fine we'll go pick up the item however when they come next day the box is open there's nothing in there oh I'm sorry someone must have stole it before I left for work that's so unfortunate that's always good that is if you had to sign for the item and if you have to sign for the item just say David by door etc if it happens to be a business now if you have to sign for it and it's actually an automotive parts store you can't go out there find out what the routine is do your homework this is not your average way of credit card theft you need to do your own research in this environment it's a hostile world and there are a lot of sharks out there do your research and find out if you are going to post it like this find out what their hours are what the routines are when their lunch hour is you have the tracking number find out what time is going to be there you can do the way tracking you can say have this package delivered at such and such in time FedEx is going to do it that's even better let's call them up saying I like it delivered between three of that particular day and they'll make arrangements for you it's really easy to get bypassed people let's just say there's someone there for Donna Jones and this department store automotive store but you need to sign for it so a couple options you can do one UPS is usually going to pull up there and if it's an automotive department store this is a really cool thing you can probably if you plan this in advance get a job there and usually the gruntiest people sign for the packages for shipping and receiving that's one way another way if for the Donna Jones place if happens to be one of those days where it happens really slow and you happen to know the routine of the store where the UPS guy comes in doesn't really pay attention off to whoever is there leaves that's fine just walk in there after I get an employee hey UPS guy I'll sign for that oh and he'll leave no harm no foul and get the hell out there as quickly as you possibly can now if he's going to drop it off what you can do is that if happens to be one of those places where it happens to close that day what you can do is you can stand outside there act like it's open UPS comes by and you receive the items in hand UPS goes you go now let's use something a little bit more advanced let's say okay I need to come up with a really good item to steal for a scenario what does someone really want hello okay let's do this I'll go for that a new guitar we're going to screw over Costco.com because that's where they're selling it I took a look and they have them there so we're going to order a new guitar which come up with a let's just say by the way, consecutive numbers do happen to pop up on credit cards okay we are going to order a guitar just by the way for expiration dates you can usually tell it's going to be a one odd number sometimes depending on the credit card manufacturer so let's make this 05, 04 and let's make this ooh we're going to let's make it a capital one why I write capital one is for a very important reason one, sometimes if you happen to have a bad day and you call someone they will ask for the bank for which issue the card besides the billing address billing address is a plus but they will sometimes ask for the card person that actually authorized it and be capital one, have it be Washington Mutual or have it be Wells Fargo this is a really important thing they'll say well, look behind your card and they'll actually display a logo of who issued it sometimes it could just be Visa which order a guitar okay guitar oh, let's be generous it's going to cost $700 now for this account let's make it at Linda H but let's do this at yahoo.com now Linda doesn't have any idea whatsoever that you're scamming her credit card you happen to pick this credit card up well, she was a Macy's you happen to intercept her carbon copy by some means, have it be through garbage have it be that the sales person dropped it on the floor or she was giving it to her and she never picked it up have it be a number of things but you happen to have a carbon copy and this is the shelf life is the amount of time you have to exploit this credit card this is probably the most important fact now if you come to a shelf life it happens to be let's say this year and a month away and you're about to burn $700 don't do not even try and risk something that large when the expiration date is up in one month that's a sure sign for any consultant or for credit card person that happens to be in a security firm that that is credit card theft besides that, there's one other way to tell might as well give this up now that if this person is a good person who orders a lot of stuff for UPS all the time through credit cards that's fine but this is some old woman that you're scamming she's never ordered anything on the internet in her life and you just ordered a $700 guitar that are going to check out and find out her history she just ordered a brand new guitar never ordered anything in her life it's going to look a little bit suspicious so choose your target as well I know credit cards are far and few between but please use a little common sense when you do this okay I'm going to go through Costco.com now two options you have a heads free Costco.com has this ambiguous and really ironic twist of fate you can order something have it beam, they print out a receipt like that you can actually return it and get the money if you did not want the guitar excuse me you can actually get $700 back if you didn't want the guitar at all that's one real quick fire way of getting cash on to go anyone want a brand new computer instead now for Linda these we're going to give we'll make this scenario so that Linda these spends on average about $200 on the internet per month as I PM for all these people out there now for $200 per month if your credit card company goes around and says oh we're ordering $700 and it's for one item and it happens to be a guitar they're not going to really suspect anything for that now for Costco.com you really do not need to have a membership card you don't need to have anything like that if in truth it's better that you do not have a card whatsoever for Costco.com do not put any information of your own on to this prosecuting credit card theft with no information of your own on it as a no name birthday from you nothing whatsoever is like a haystack and no needle at the very very very bottom pile that right there is how you get away with it now as I explained before for Costco what they check is for billing address so what we are going to do is we're going to change things around there will be no business you do not have access to any resources that will allow you to you don't have any ex-girlfriends happens to be secretaries you don't know anyone whatsoever this is going to be your first time scamming a credit card so what we're going to do is we're going to send it to a home well guess what you are going to have the tracking number you are going to have access to find out when it's going to be there and if you are smart enough you know her daily schedule so she's a 2826 individualism she works in a bank then you have free reign to her house to be there to stand outside just say you're a gardener bring some tools out just say that she just hired you I don't care be original so you have all those things UPS happens to come by UPS says there's a signature there are required and it usually is for a $700 item that's $500 is the limit for signatures $700 and up that usually is as they give me for signatures so let's just say you're a gardener there your personal gardener you are mowing the lawn UPS happens to come up well I can't do this here and I need a signature well I'll sign for and I'll make sure that the lady house happens to get it UPS will usually say yes if you happen to clean cut average looking and there happens to be a door window or gate you know accessible or he can see that you have some sort of access to the house as in that person that had of that house gave or is entrusting you to some extent now I'm not encouraging everyone to break into a house and open up a door and say oh yeah she want me into the house yeah no breaking an earring is not cool this is credit card theft you're already in deep as it is so just open up a gate have some tools lying around UPS comes by big box right here and okay sign for scribble name don't put your own don't bad bad stupid mother fuck don't put your goddamn name on there don't put any personal information if anything dress up a little bit put a mustache comb your hair don't put your average looks when you're doing something like this one of the things that you really get caught up on be different now you have the guitar hey fast forward about took 7 days to order you received on day 8 2 days later for Linda Ninzy she happens to get a phone call saying is for customer satisfaction through cost score or something they say are you satisfied with the product are you what are you talking about I never ordered anything well ma'am you ordered a guitar that was $700 well no I didn't here comes the investigation part that happens to be really fun one is your name over anything no it's only her name her name for the billing her name for the mailing credit card her name expression date is correct number is correct anything happens drop the ball if sometime during this particular event after it where you feel that it's completely gone that you're gonna get caught you feel that you're gonna get caught completely drop it there is no strings attached to you to actually say that you are going to get caught if she happens to come up to you and she has some guessing that you stole her credit card oh no I didn't proof what proof does she have you got this as a carbon copy by some chance if she would even happen to know that now as a carbon copy destroy it after copy number destroy all evidence do not keep it for personal propaganda do not keep this oh you have the carbon copy oh wow thank you for providing evidence for us no bad don't do something like that destroy all evidence you have the number you just ordered something fine destroy all evidence that happens to link you to that particular item that you just ordered now here's another thing for you if this happens to be a particular event where you can still get caught now I explained to you before for Costco Costco.com you can order stuff and then return it however Mr. Ninzy over here happens to be a complete snot and just goes all hell over this don't try and return it do not try and return something or you will get busted or you will do some means to stall to at some point just keep you there well they call police next thing you know you have two nice officers right here handcuffing you that's not going to be the worst situation but at that point it will be a possible situation if you go for the money now I give you two examples I'll order ask any like private answers for Discovery for American Express for any of the other cards now but does anyone have any questions before I end this how would you know if she would happen to go for this one you can call the company and find out if she has or not say you're an investigating officer that's fine the same thing is if it has me in the neighborhood you can find out if her mannerisms happen to dictate anything neighbors talk you can find out if oh yeah gossip around I guess got credit card theft that's one way right there there are a number of solutions I'm just giving you some very easy plausible ones usually let me see if I understand this usually for most companies if it's been the first time offense or second time offense they will just refund the entire amount and not charge you to $50 if it's been a recurring occurrence and you got screwed over and over again by some means they will start charging you $50 or if it's a really stingy company yeah they'll just charge you to $50 not worry about anything yeah you and the hat you don't it's of course impersonal that's the one bitch about the credit card the identification is assigned to each card automatically and the ram is randomization number is you're going to have to pull it back of the card that's a surefire way to actually get it now that's on the back of the card that's be up close and personal now let's just say you wanted money from always go through western union western union you can order money and on the very last page they happen to want the three digit identification number now you can do that you actually can get money through them you'll just need a couple of items one is a cool friend and the second thing is a fake ID that you can have already this set up now this ID will only work once so if you happen to send Dorothy Jones to Ron Rickman you're Ron Rickman have an ID already set up now that's the pain in the ass of doing it is getting an ID because they will ask to see this they will happen to ask for this information beforehand and they will check the ID they may want to see the name and the face but everything else is secondary but it's still important usually sometimes credit card bills don't come to people sometimes they do sometimes they don't the normal person will not receive a credit card bill and if they do receive a credit card bill they won't initially look at it yes it is good to have a billing cycle however it's not really necessary because in the end sometime an investigation will be called but it's timing it happens to be an entirely on the item California California is the number one state for restaurants if you go to a really cheap restaurant and they use a credit card like Baskin Robbins go to Baskin Robbins in any state and they print the credit card number on there there's one there's a really good tip for you right there ok ladies and gentlemen my time is up and your next speaker is actually officially on that list so thank you very much