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DansDeals Forum => Just Shmooze => Topic started by: greatluck on December 13, 2018, 03:54:05 PM

Title: credit card generator
Post by: greatluck on December 13, 2018, 03:54:05 PM
The first question is is it legal to use for trials if you don't want to give a real credit card ?
The second question does it work?
The third question what websites?
Title: Re: credit card generator
Post by: greatluck on December 13, 2018, 03:56:44 PM
like http://card-generator.com/
Title: Re: credit card generator
Post by: lubaby on December 13, 2018, 04:13:20 PM
If it's a trial that attempts a temporary hold (usually $1), those websites will get declined.

I just use the Privacy app to quickly generate VCC's with $1 limit.
Title: Re: credit card generator
Post by: yesitsme on December 13, 2018, 04:15:22 PM
The first question is is it legal to use for trials if you don't want to give a real credit card ?
The second question does it work?
The third question what websites?
http://www.getcreditcardnumbers.com/
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 13, 2018, 04:43:09 PM
The first question is is it legal to use for trials if you don't want to give a real credit card ?
No!
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 05:16:58 PM
No!
Really? I never knew that. Source?
Title: Re: credit card generator
Post by: yesitsme on December 13, 2018, 05:20:25 PM
No!
Which law does it violate, besides for mail fraud?

https://www.quora.com/Is-using-a-fake-credit-card-illegal/answer/Scott-M-Stolz

https://www.quora.com/Is-using-a-fake-credit-card-illegal/answer/Matthew-Daneman

These two posts describe someone stealing either by using someone elses CC or by making a purchase, The question here is to use a cc just for identity i would compare it to using VPN
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 13, 2018, 05:23:38 PM
Which law does it violate, besides for mail fraud?
:)
Title: Re: credit card generator
Post by: Josef.koney on December 13, 2018, 05:41:45 PM
If it's a trial that attempts a temporary hold (usually $1), those websites will get declined.

I just use the Privacy app to quickly generate VCC's with $1 limit.
They trustworthy?  Little worried giving them my bank account info....
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 06:14:08 PM
Which law does it violate, besides for mail fraud?

https://www.quora.com/Is-using-a-fake-credit-card-illegal/answer/Scott-M-Stolz

https://www.quora.com/Is-using-a-fake-credit-card-illegal/answer/Matthew-Daneman

These two posts describe someone stealing either by using someone elses CC or by making a purchase, The question here is to use a cc just for identity i would compare it to using VPN
Why is it mail fraud? You're authorizing them to use your card for the agreed upon charge, you just don't want them to continue charging you for a service you don't want because you'll forget to cancel.

Can you cancel a credit card after the initial charge? Presumably yes. So why would this be different? If, as in the posts, you were trying to get a free good or service through giving a fake card, thus shirking fair payment, then yes, it's fraud.
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 13, 2018, 08:50:16 PM
Why is it mail fraud? You're authorizing them to use your card for the agreed upon charge, you just don't want them to continue charging you for a service you don't want because you'll forget to cancel.
So writing them a check knowing there is no funds in the account is OK?
Title: Re: credit card generator
Post by: yesitsme on December 13, 2018, 08:54:18 PM
So writing them a check knowing there is no funds in the account is OK?
Sometimes yes, I made a big transaction I told them I don't have all the funds, they wanted a check even though it had no coverage in bank.
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 13, 2018, 09:13:33 PM
Sometimes yes, I made a big transaction I told them I don't have all the funds, they wanted a check even though it had no coverage in bank.
What happens when the check bounces and they go after you?
Title: Re: credit card generator
Post by: yesitsme on December 13, 2018, 09:29:17 PM
What happens when the check bounces and they go after you?
I made sure to have in writing that the check isn't to be deposited
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 09:50:40 PM
Sometimes yes, I made a big transaction I told them I don't have all the funds, they wanted a check even though it had no coverage in bank.
Truthfully, this case is different, because you provably definitely didnít have intent to defraud, thus negating it being mail fraud
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 13, 2018, 09:51:43 PM
Truthfully, this case is different, because you probably definitely didnít have intent to defraud, thus negating it being mail fraud
If the intent is not to defraud then why are you not using a real card?
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 09:54:02 PM
So writing them a check knowing there is no funds in the account is OK?

If the check is for goods or services, or as a teaser that youíll have to call to cancel in order to not pay?

If itís for actual goods and services, thatís like simply giving a bad credit card for a real transaction, which is of course fraud. But if itís for a similar thing, like a trial that needs to be cancelled, then yes, Iím not sure youíre right that itís fraud. Iím not confident Iím right, just I never thought this was so.

Any lawyers around? @jj1000 ?
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 09:54:41 PM
If the intent is not to defraud then why are you not using a real card?
I was replying to @yesitsme , explaining why his case wasnít really relevant. I was arguing for you, not against :)
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 13, 2018, 10:01:00 PM
I was replying to @yesitsme , explaining why his case wasnít really relevant. I was arguing for you, not against :)
Got it.
The point in using a fake card is in case you forget you don't want to pay, correct? The intent is obvious.
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 10:26:42 PM
Got it.
The point in using a fake card is in case you forget you don't want to pay, correct? The intent is obvious.
In my case, yes. But youíre not looking to actually get or use goods or services with that fake card, you just donít want to be trapped into paying for something youíre not using if you forget. Of course, if you finish the trial and keep utilizing the service, youíd have to update with a real card.

Doesnít that sound somewhat different?
Title: Re: credit card generator
Post by: S209 on December 13, 2018, 10:28:25 PM
Another thing- with lots of these systems, you can keep funding the card if youíd like, and stop if youíd like as well. So itís more like cancelling a card after payment for future payments on a purchase you donít want (instead of just cancelling directly), than actually presenting a bad check/fake card, which i donít believe is illegal at all.

Again, I donít know. Just making the case.
Title: Re: credit card generator
Post by: zh cohen on December 13, 2018, 11:52:19 PM
Got it.
The point in using a fake card is in case you forget you don't want to pay, correct? The intent is obvious.

Is this different (morally) than using a virtual card from Citi?
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 14, 2018, 12:17:09 AM
In my case, yes. But youíre not looking to actually get or use goods or services with that fake card, you just donít want to be trapped into paying for something youíre not using if you forget. Of course, if you finish the trial and keep utilizing the service, youíd have to update with a real card.

Doesnít that sound somewhat different?
I know you feel you are being trapped but that is not the case. If you forgot to cancel you still are required to pay.
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 14, 2018, 12:17:46 AM
Is this different (morally) than using a virtual card from Citi?
Of course not.
Title: Re: credit card generator
Post by: S209 on December 14, 2018, 12:42:55 AM
Is this different (morally) than using a virtual card from Citi?
Thatís exactly what weíre talking about, using a virtual card number
Title: Re: credit card generator
Post by: S209 on December 14, 2018, 12:43:53 AM
Is this different (morally) than using a virtual card from Citi?
Dan has advocated doing this multiple times on DDMS (such as to sign up for credit monitoring). Do you think he was advocating an illegal act?
Title: Re: credit card generator
Post by: ckmk47 on December 14, 2018, 12:50:33 AM
I know you feel you are being trapped but that is not the case. If you forgot to cancel you still are required to pay.
Sirius XM radio.  I get the introductory/ special of the day price for the next 6 months. I tell them to remove my cc from the file.  Although I get an email that my 6 months is up and I will be billed, I neglect to call.  Then I get a bill that is due for services rendered - for an extra month of Serius radio. 
Then I call and get a new 'special of the day' rate and get the overdue bill dismissed.  So they've trained me not to call when they give me the warning email.
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 14, 2018, 12:56:22 AM
We can all come up with things in our own minds to justify things we do. That doesn't change the facts. 
Title: Re: credit card generator
Post by: S209 on December 14, 2018, 01:37:26 AM
We can all come up with things in our own minds to justify things we do. That doesn't change the facts.
This is very true. Of everything in life.
Title: Re: credit card generator
Post by: S209 on December 14, 2018, 01:37:53 AM
We all do come up with things in our own minds to justify things we do. That doesn't change the facts.
FTFY
Title: Re: credit card generator
Post by: S209 on December 14, 2018, 01:55:11 AM
https://www.consumer.ftc.gov/articles/0101-free-trial-offers
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 14, 2018, 07:09:52 AM
https://www.consumer.ftc.gov/articles/0101-free-trial-offers
What does this have to do with using a fake CC number?
Title: Re: credit card generator
Post by: AussieMan on December 14, 2018, 08:59:46 AM
@ChaimMoskowitz your assumption is that it's fraud. Accordingly, any justifiable intentions won't change the fact that it's fraud. They will just explain why it *may* not be immortal to commit the fraud (since no one is losing any money).

However, the question is also on your assumption
Are you positive that it is actually fraud to give a credit card with no funds. Do their terms and conditions say that there must be a sufficient credit line?
Is it fraud if you give a card with $100 credit limit, when the monthly billing is $110?

If you forgot to cancel you still are required to pay.
Obviously if they bill you for the next month and you decide not to pay it's fraud, but if they choose to cancel your subscription instead that's their decision.
Title: Re: credit card generator
Post by: zh cohen on December 14, 2018, 10:27:24 AM
Thatís exactly what weíre talking about, using a virtual card number

No, the virtual cards are valid card that are limited (by time or amount). The OP asked about using a fake card number that will get by the verification like this site provides;

like http://card-generator.com/
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 14, 2018, 10:28:41 AM
@ChaimMoskowitz your assumption is that it's fraud. Accordingly, any justifiable intentions won't change the fact that it's fraud. They will just explain why it *may* not be immortal to commit the fraud (since no one is losing any money).

However, the question is also on your assumption
Are you positive that it is actually fraud to give a credit card with no funds. Do their terms and conditions say that there must be a sufficient credit line?
Is it fraud if you give a card with $100 credit limit, when the monthly billing is $110?
Obviously if they bill you for the next month and you decide not to pay it's fraud, but if they choose to cancel your subscription instead that's their decision.
I get what you are saying and we can play this game forever. You are giving them a fake CC, PERIOD!!! Intent is pretty clear unless you just fell off the turnip truck.  :)
Is it illegal, fraud, immoral or unethical? Each person can decide that on their own.
Title: Re: credit card generator
Post by: AussieMan on December 14, 2018, 10:33:32 AM
Is it illegal, fraud, immoral or unethical? Each person can decide that on their own.
So you agree that other people can have a different option than you.
Nice
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 14, 2018, 10:36:17 AM
So you agree that other people can have a different option than you.
Nice
Of course, what ever gave you the idea they didn't?
That still doesn't change the fact of what it is.  :)
Title: Re: credit card generator
Post by: S209 on December 16, 2018, 03:08:01 AM
No, the virtual cards are valid card that are limited (by time or amount). The OP asked about using a fake card number that will get by the verification like this site provides;
Someone mentioned privacy.com, and I assumed thatís what this site provides as well. Privacy.com is identical to what Citi offers, limited by time or amount.

I was under the impression that thatís what we were debating all along.

Werenít we?
Title: Re: credit card generator
Post by: User6669 on December 16, 2018, 05:14:23 AM
Eno from Capital One works great, only downside is that it's only available as a browser extention.
Title: Re: credit card generator
Post by: yesitsme on December 16, 2018, 07:52:47 AM
There are 3 most common payment methods

There are a few Isues when you make a fake one

Quote
Whoever, with intent to defraud, falsely makes, forges, counterfeits, or alters any obligation or other security of the United States, shall be fined under this title or imprisoned not more than 20 years, or both.
Cash is a government document therefor it violates the law even if you don't use it anywhere just be reproducing with intent to defraud you're doing a crime,

Checks is not a government document you can print out from your printer whatever checks you like but don't try to do business with it,

Credit Card is not a government property if you use someone elses CC you're stealing from the CC owner or CC issuer, if you use a fake CC the one who took the card on file is a nutcase for not checking since there's a way to do it easily you get a response on the spot versus checks you wait 2 days till it clears, if you use a one time cc generator similar to City i would compare it to a ad blocker ext on your browser.
Title: Re: credit card generator
Post by: zh cohen on December 16, 2018, 01:48:40 PM
There are 3 most common payment methods
  • Cash
  • Check
  • Credi Card

There are a few Isues when you make a fake one
  • Counterfeit
  • Stealing from others
  • Midvar Sheker Tirchuk
Cash is a government document therefor it violates the law even if you don't use it anywhere just be reproducing with intent to defraud you're doing a crime,

Checks is not a government document you can print out from your printer whatever checks you like but don't try to do business with it,

Credit Card is not a government property if you use someone elses CC you're stealing from the CC owner or CC issuer, if you use a fake CC the one who took the card on file is a nutcase for not checking since there's a way to do it easily you get a response on the spot versus checks you wait 2 days till it clears, if you use a one time cc generator similar to City i would compare it to a ad blocker ext on your browser.

There is a way to check if a card is virtual (like Citi)?
Title: Re: credit card generator
Post by: greatluck on December 18, 2018, 11:08:14 AM
Of course not.
of course it is different, when using citi cards they will try to do another charge and it will not go through but because it is backed by a real card they will put a hold on your card till either you dispute the charge because they will suspect fraud
Title: Re: credit card generator
Post by: greatluck on December 18, 2018, 11:16:05 AM

Werenít we?
no we did not talk about Virtual Account Numbers this you can check up @drofcredit more here: https://www.doctorofcredit.com/list-of-banks-which-offer-virtual-account-numbers/

We were talking about fake generated cards
Title: Re: credit card generator
Post by: ChaimMoskowitz on December 18, 2018, 11:20:59 AM
of course it is different, when using citi cards they will try to do another charge and it will not go through but because it is backed by a real card they will put a hold on your card till either you dispute the charge because they will suspect fraud
The intent is the exact same.
Title: Re: credit card generator
Post by: ib3 on December 23, 2018, 06:17:07 PM
Of course not.
And what about giving a cc with an expiration date within a month?
Title: Re: credit card generator
Post by: etech0 on December 23, 2018, 06:17:51 PM
And what about giving a cc with an expiration date within a month?
Or a Visa GC with only a few dollars left on it?
Title: Re: credit card generator
Post by: petrosi on March 05, 2019, 11:09:24 AM
how vpn is helpful with credit card?