This site does not support carding, hacking or any Fraudulent activities. This article is for educational purposes only. It aims to point out how hackers and carders often go undetected and steal your personal information so as to open financial accounts in your name. Although the fraudulent steps discussed may work in real life, Security Cavern warns you against any fraudulent behavior as it is against the law.
How to Check The Balance of a Credit Card
With the suggested BIN list, this step can be optional if you want to stick to the sweet spot charges of $250 to $300. However, if you want to go for big boy charges then you pretty much need to check balance to ensure you don’t receive a decline. On Stripe you need to keep your decline/approval ratio at about 1:20. Meaning 1 declined charge for every 20 approved charges.
Ways to Check Balance
1- Calling the Credit Card Service Number for the bank and checking it that way.
2- Checking it by pulling a credit report on the card holder.
Credit Card Service Number
Either way, you are going to need to gather the cardholders SSN and DOB. So go to SSNDOB.CC and see if you can find it. If you can’t find it then you are pretty much shit out of luck on getting the balance. If you can find it then you can continue on.
When calling, I’ve called from Google Voice numbers and been able to check balance with just basic card data and SSN/DOB. Some people say you need to spoof the phone number. This is an all automated system so there is no worries about having to actually speak to a representative.
Using Credit Report
If you decide to check using the credit report, it can be a bit easier. Here is the quick break down on how this works:
- Take your CC data, search the BIN on www.exactbins.com/bin-lookup and figure out which bank issued the card. Once you know what bank issued the card, go to ssndob.cc or robocheck.cc and look up the cardholders SSN and DOB. Once you have that info, confirm the validity on ssnvalidator.com and intelius background check.
- When you confirm your data is valid go and pull the credit report at Quizzle or Mybankrate. Open the credit report and scan the open accounts for the name of the bank that issued the CC. Once you find the name of the bank, confirm the BIN on the CC matches the account number. When you have confirmed the BIN and the account number match you can now check and see the current balance on the card and the credit limit of the card. This may not be 100% real time balance because it will show the “as of” date which sometimes can be a month or so behind.
In this example below, the cardholder had the BIN 552313 which was issued by USAA Savings Bank. Their credit report shows the matching account with balance as of October 19th being $4,304 and a credit limit is $25,000. So this guy had about $20,000 left over on his balance to play with. The likelihood that he maxed out his credit card between now and a month ago is slim so maybe I’ll this CC can fit a higher charge in the $800 to $1000 range.
That pretty much covers how to check balance. By the way, if you check the balance by pulling the credit report, you might as well go ahead and use the fullz for a whole new bank/Stripe set up since you have their SSN/DOB and they are probably a high credit score fullz if they are holding one of these premium BINS. In the example above, the guy had an 824 credit score.