What is Bin Selection – How to Select Bins For Carding
What is Bin Selection
Ok guys, here it is. Sorry it took me a while but these days I am a busy man. This is kinda a quick draft, and when I think some more I will add to it. If you have something to add please do! If you have something you disagree with then keep it to yourself I don’t care, this is from 6 years of in-store experience. Enjoy!
So you’re trying to make you’re in-store better, your getting what you think is shitty dumps, or just starting out..
For whatever your reason for reading this, your instore all starts with you. Some will be very sad when they hear that there is no magic way to find a great bin, and when you do find those great bins chances are the supply is limited and you will have to move on to new ones. The only way to keep your success rate high is to do much research into the bank in which you are looking to purchase bins of.
In the realm of financial transactions, credit card bin selection plays a crucial role in ensuring secure payment processing, minimizing fraud risks, and optimizing operational efficiency. Bin selection involves identifying the appropriate credit card bins, which are the first six digits of a credit card number, to facilitate smooth payment authorization and enhance fraud detection capabilities. This article delves into the concept of credit card bin selection and highlights its significance in modern-day payment systems.
Understanding Credit Card Bin Selection
Credit card bin selection involves strategically determining the appropriate credit card issuer’s identification number (BIN) ranges for efficient payment processing. The BIN is the first six digits of a credit card number and acts as a unique identifier for the issuing bank or financial institution. By analyzing and selecting specific BINs, businesses can streamline their payment processes and effectively combat fraudulent activities.
Finding Local Bins
Ok, so this is where a lot of people are confused. It is necessary to use a LOCAL bin in most cases to have success. You see ALL banks have fraud detection methods to keep their users safe. Some are more sophisticated than others, mostly in general banks are looking for patterns in spending and location. What I mean is if the owner of the dump, only uses there card in Kentucky, and you try using it in New York, this is gonna raise a big flag to the bank. So, we must find bins in which are local to the area in which we will be working.
Now you say, ok well how do I do that? Here are some great methods:
A. Look in your wallet! This is great because you know exactly how your dump will perform. If you can go buy a 4K lappy without a problem, chances are this bin will perform the same! But sometimes not, and I will go into more detail a lil later on that.
B. Search for a list of local banks. Google is your buddy even while searching bins for instoring! Try this in Google “Kentucky Credit Unions” I would bet you will find a page with a list of most the credit unions in your state, and a nifty link to their site! Now, take your bin list [available on this board] and find the bin numbers that correspond to your local credit unions. Make a list of this and save it. We’re gonna use it later!
C. Old CVV or ccs! Ok so I think a lot of people don’t know this, a BIN number not only tells you what bank it belongs to, but WHERE it is located. So, if bin 414705 is owned by a person in New York then most every person from that bin is located there as well! So go find some old cc, or buy new ones and search as many bins you can find from your state. Add them to your list, make sure to include the name of the bank, not just BIN number.
Now you have made this huge list of bins you are sure are local to you cause you followed User123’s tips to a T. Now the fun part! You must research each bin extensively, I want you to go to the websites and find out as much as you can about the bins. Here is some things you want to look for:
A. Very High Credit Limits! Banks that offer huge limits, will give you better success. This is because with a 100K limit, 2K on a swipe just isn’t that much
B. Credit Unions, while their bins are mostly hard to find, have lower security!
C. Look for banks that offer Very low interest/no interest and other rewards for spending money. If a user chooses a bank with low interest/no interest and other rewards they most likely choose this bank becasue they are actually going to be using the card. The more activity on the card the less likely the card will be flagged, like I said earlier, banks look for patterns. One thing that will cause a decline or CFA is the cardholder has not used their card for a year and all of a sudden is trying to spend 2K. This is not the user’s normal pattern and will cause a red flag. So to sum it up, bins which have more activity will work better.
You can find much of this out just from visiting their website, or if you are really having trouble and a bank looks promising but there not posting the info, Call them! They will be more than happy to tell you all about them, use common sense, and don’t ask stupid questions. Make sure you play the part of a customer unless you want to get hung up on.
A. So you had one dump from the 10 you bought of the same bin perform great, but the rest sucked. Look at the numbers, try to buy only this bin that expires in the same year as the one that worked, so if it expired in 2010 try to get some with the same. Look at the 7th number, if first 7 are 4325679 and none of the other that sucked have that 7th number, buy the ones that do.
B. Stay away from Federal Credit Unions, in my experience, they suck..
C. All dumps can perform differently, some you must use for one large swipe. And that’s all you will get. Some if you buy a few small things, and then make a big swipe will work great. Some you will buy something small and its dead. You must experiment, once you find promising-looking dumps if they not working like you think they should try different purchasing methods.
D. MOST DUMPS WILL ONLY WORK FOR ONE BIG SWIPE!
E. Time of the year affects dumps, during big spending holidays, dumps will work incredibly. This is because the card users are active, the banks expect users to be spending.
F. Vendors with fresh bases are better, it means the cards are more active recently.
G. Small Banks almost always work better than large banks, fewer card holders mean chances of getting active cards are better.
H. If you found this tut useful, and your feeling giving don’t be afraid to hook your boy up with something!
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