Credit Cards
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Credit Card Fraud
Unless you have the luxury of living outside the corporate-controlled world (often erroneously called "the first-world nations"), credit card fraud is a pretty sure way to land you behind bars. Visa is notorious for essentially owning the police in many countries... which means that carding often just isn't worth the risk.
Abandoning Debt
Make money the central bank way borrow from nothing and never repay. If it is legal for the US federal reserve bank corporation to make new magic money every time you run your credit card or take out a loan why not you? When finally you stop payments send them a bond to pay off your debt against the central bank of yippie-a-stan where you are the central banker and you can make the funny money. http://en.wikipedia.org/wiki/Fractional_reserve
Credit Cards
Credit cards are part of a general CorpGov banking scam to wean people from using cash, people using cash can buy from the black market, they can also easily notice the Corp(Bank)Gov way to steal from the people called inflation, lastly there is less restraint when you can charge against the future so it is easier to fleece the sheeple. Why save when you can spend!!
Max Out
If you are planning to go alternate max out all of your credit cards in a month or two and forget about it when they stop working, they can't send you to jail for non-payment (yet) although if you have had a legit job they might try to get a judgement against you and garnish your paychecks, the lesson is don't get a legit job. No legal action may be taken if the collections-corp guys figure that there is no money to take, no address or out of the country are good reasons for them to think this. You have a right to dispute entries to your credit report, check to see if the overdue debt is still listed every few months and dispute them. The credit card companies have a limited time to respond, you can get the debt removed from your report if they miss a deadline.
Transfering Balance
Apply for a bunch of cards or debt transfers all at one time, lie about your income, the credit report lists all applications but they take time to post. Non-payment of legal credit card debt is not in any way considered fraud according to the law, non-payment of debt is a civil matter and at worst will get you sued and your check garnished, and they might go after your stuff if you bought it with the card(very unlikely). After a few months (or years if you left the country and nobody has sued) see about buying back your own debts from the open market for 1/5 to 1/10th or less than you owe.
Stopping Payments
When you let the payments stop, do it to all of your debt payments all at once, there is no reason to ever send another check after you can't pay even one of your credit bills. A good time to stop payments is when you have maxed out all of your accounts. When the vampires start calling remember they are like cops nice or mean they want only your money not your friendship, give them no information but don't be an ass they are people(vampires) too, just hang up. We hope you lied about your family addresses and phone numbers, your mother doesn't want to talk to the collections geek, most of our credit applications seem to go back to 867-5309 for some Jenny person.
Traps
Beware calling cards sent to you as a "gift" from ANY company that you owe money to. This is a simple trick to collect the phone numbers of your friends so they can harass them as well as hopefully finding the phone number of the place you are staying.
If you own a house, car, or anything of value a settlement or refinance might want to secure against this asset, don't do it credit cards are unsecured debt it takes a lawsuit and court order to go after your stuff, once a debt is secured against property the vampires can grab your stuff with much more ease.
Settlement
Have an impartial party represent you if you want to go for the debt settlement, your weapon and threat is that you are filing for bankruptcy and the credit company or those who they have sold the distressed debt to want to make something from the account. Be wary of even the non-profit debt fixer organizations, they are there (even the non-profits) to bring home a big paycheck and maybe a big monthly bonus. The process is like this, settlement managers know the lingo and reality of buying out a distressed debt from a credit card company. They call make a deal and take you pile of cash, they for example settle a $40k debt for $8K and ask you to pay $10k to them to close the deal. Don't let the settlement agency hold onto any of your money. Be sure that you can make payments if you start to go this settlement route otherwise it would have been better to just go bankrupt and not pay up front fees to the settlement manager.
Bankrupcy
If you lie to the bankruptcy judge about hidden assets and you get caught you might be refused bankruptcy, which is known as the financial death sentence, no escape from your creditors. The good news is you will be forced into the underground with no taxes, no social security, and no garnished paychecks. A good solution if that happens is to just leave the country and set up shop somewhere else.
Bankruptcy laws change, and we are not lawyers (since we were disbarred), get factual up to date information before screwing yourself over with dated advice. Remember the system is stacked against the regular guy, use the system to fight back.
Original CREDIT CARDS
Any discussion of shoplifting and forgeries inevitably leads to a rap on credit cards; those little shiny plastic wonder passes to fantasy land that are rendering cash obsolete. There are many ways to land a free credit card. You can get one yourself if your credit is good, or from a friend: report it stolen and go on a binge around town. Sign your name a little funny. Super underworld types might know where you can purchase a card that's not too hot on the black market. You might heist one at a fashionable party or restaurant. If you're a hat check girl at a night club, don't forget to check out pockets and handbags for plastic goodies.*
Finally, you can redo a legitimate card with a new number and signature and be sure that it's on no one's "hot list." Begin by removing the ink on the raised letters with any polyester resin cleaner. Next, the plastic card should be held against a flat iron until the raised identification number is melted. You can use a razor blade to shave off rough spots. This combination of razor blade and hot iron, when worked skillfully, will produce a perfect blank card. When the card is smooth as new, reheat it using the flat iron and press an addressograph plate into the soft plastic. The ink can be replaced by matching the original at any stationary store. If this is too hard, you can buy machines to make your own credit cards, which are made for small department stores. Granted, this method is going require some expertise, but once you've learned to successfully forge a credit card, buy every item imaginable, eat fancy meals, and even get real money from a bank.
- The absolute best method is to have an accomplice working in the post office rip off the new cards that are mailed out. They get to know quickly which envelopes contain new credit cards. Since the person never receives the card it never dawns on them to report it stolen. This gives you at least a solid month of carefree spending and your signature will be perfect.
Whether your credit card is stolen, borrowed or forged, you still have to follow some guidelines to get away without any hassle. Know the store's checking method before you pass the hot card. Most stores have a fifty-dollar limit where they only call upstairs on items costing fifty dollars or more. In some stores it's less. Some places have a Regiscope system that takes your picture with each purchase. You should always carry at least one piece of back-up identification to use with the phony card as the clerk might get suspicious if you don't have any other ID. They can check out a "hot list" that the credit card companies send out monthly, so if you're uptight about anything watch the clerk's movements at all times. If things get tight, just split real quick. Often, even if a clerk or boss thinks it's a phony, they'll OK the sale anyway since the credit card companies make good to the stores on all purchases; legit or otherwise. Similarly, the insurance companies make good to the credit companies and so on until you get to a little group of hard working elves in the basement of the U.S. Mint who do nothing but print free money and lie to everybody about there being tons of gold at Fort Knox to back up their own little forging operation.
