THE MYTH OF THE FRAUD SCORE
I see many people saying "my fraud score is 0 and I can't buy anything!". People seem to think that just because their fraud score is 0, the site's anti-fraud system will give them enough points to approve them, when that couldn't be further from the truth.
While a low fraud score is essential, it shouldn't be the focus of your setup. As long as it's less than 40, it won't be the main factor in your rejections.
CUSTOMER SUPPORT, YOUR HIDDEN WEAPON
Any site you're trying to card on wants to close the sale. Sometimes they want to close the sale so badly that if you simply send an email saying your order keeps getting rejected for no apparent reason, they'll give you a free pass to make a purchase on the site.
Support can also redirect your delivery address, as long as it's not absurdly far from your original address. This ties into our next section perfectly.
YOUR DELIVERY ADDRESS IS FUNDAMENTAL
Local mail carriers keep a record of unoccupied houses. This information is passed on and uploaded to a U.S. Postal Service (USPS) database of unoccupied addresses. Some anti-fraud systems check this, and if your address is listed as unoccupied, the package will be REFUSED. It's important to ensure your delivery address is not listed as unoccupied. You can verify this by calling your local post office and asking.
THE BILLING ADDRESS PROBLEM
If you want an order over $500 processed, your billing address needs to be the same as your delivery address. Otherwise? Either an immediate refusal, or the order is held, followed by an email requesting documents. As mentioned in the customer support section, you can redirect packages relatively easily. Some places don't allow it, but, like everything in fraud, it's a matter of trial and error. For orders under $500, it's sometimes possible to use different addresses, as long as you make sure the delivery address isn't marked as empty.
THE POWER OF ENROLLS
Enrolls, while not widely discussed, have been sold, discussed, and used for some time. And they are the most powerful cards currently on the market.
"What the heck is an enroll?"
An enroll is a card that gives you online access to the card. Features include:
1. Removal of travel blocks
2. Ability to view available credit limit
3. Change of billing address (sometimes it is necessary to present false documents, depending on the bank)
4. Removal of card block
5. Sometimes, full access to the phone number, allowing the receipt of OTP codes, although these are expensive and almost always come from self-registered credit cards.
6. Guaranteed Validity
Let's say you buy a prepaid card with a balance of 5,000. You change the billing address to your shipping address and remove the travel hold. Now, before you get too excited, read what's below and make sure everything is in order.
1. Are you using new emails? If so, this is an immediate red flag. No matter how good your proxy is or how new your cards are, if you're opening Outlook and creating a new email 5 minutes before trying to make the purchase, you're shooting yourself in the foot.
2. Are your browser cookies and fingerprints compromised?
3. Are you using a VoIP number as your phone number during checkout?
4. Are you using your anti-detection software tools to correctly spoof the cardholder's user-agent? I know not all cards come with user-agent information, but it's well worth getting it.
5. Are you "warming up" the site? I know many of you want to get right in and enter your card details. Patience is key here. After confirming your card is active, visit the website you want to use. Browse, add a few items to your cart, and leave. Three hours later, ON THE SAME NETWORK AND BROWSER PROFILE AS BEFORE, do it again. The next day, when you plan to use the card, do it once more. Wait 30 minutes and then complete the purchase. The more you visit the site and accumulate cookies, as well as a consistent user-agent and IP address, the more the site trusts that you are indeed the cardholder.
HOW TO USE THE CARDHOLDER'S PHONE NUMBER TO YOUR ADVANTAGE
For many beginners, getting a number to enter during checkout seems like a hassle. VoIP for this, SMS verification for that, when the answer is right there in the credit card details they purchased. ALWAYS use the cardholder's phone number during checkout. It's just another thing that makes you appear to be the cardholder in the eyes of the website.