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How Are Clone Cards Created?

Clone cards are counterfeit credit or debit cards made by fraudsters using stolen information from legitimate cards. Here’s a step-by-step look at how they are typically created:

1. Stealing Card Information

   • Skimming Devices: Fraudsters use skimmers, small devices attached to card readers (e.g., ATMs, gas pumps), to capture card details when someone inserts their card.
   • Phishing Attacks: Emails or fake websites trick victims into entering their card information.
   • Data Breaches: Large-scale breaches at businesses expose thousands of cardholders’ details.
   • Carding Forums: Hackers buy or sell stolen card details on the dark web.

2. Transferring Data to a Blank Card
   Once the cardholder’s details are obtained, they are written onto a blank magnetic stripe card using a magstripe writer. This equipment is widely available online and is often misused for fraudulent activities.

3. Adding Authentic-Looking Features
   To make the card look legitimate, fraudsters may emboss names and numbers on the blank card and even add logos or holograms similar to real banks or credit card companies.

4. Testing the Clone Card
   Before using the cloned card for major purchases, fraudsters often test it with small transactions to ensure it works.

5. Using the Card
   Clone cards are used for unauthorized purchases, cash withdrawals, or even to conduct larger fraudulent schemes.