"Carding" became a thing in the 80s as the use of credit cards became more popular. It’s a form of fraudulent activity where your credit card (or bank account) is hacked and used to purchase expensive goods. It’s sad there’s a group of bad people taking advantage of something that is supposed to make our lives more convenient. These hackers are also known as “carders.”

Be aware of these common techniques carders use for hacking:


Carders can embed malware onto your computers and devices, trying to steal your personal and login information. Scan your devices with anti-spyware and anti-malware software regularly. Don’t click on any links you don’t trust.


Hackers pretend to be legitimate service providers with phishing emails/sites that will trick you into entering your personal or credit card information. Do not click any emails warning you to take action immediately – always check to make sure they are legitimate first. Most of those emails and websites look like the real thing, even though they’re not. For example, the IRS will never email you to enter your info online. General rule of thumb, if an email is asking you to verify or enter personal data, don’t do it unless you call or check with the source from a website you know is legitimate.

Carding Forums

There are many forums for hacker wannabes to visit. It is said Russian carding forums are bigger than anywhere else. They exchange stolen identities and credit card information.

Always, always check your statement; do not click any links that ask you to make payments, and stay on top of your credit card and bank activity! If and when you find questionable activity, please call your financial institution right away.