card cracking scam

Innocence and willful stupidity are two extremely different things. It’s the difference between being young enough not to be able to appreciate the long-term consequences of actions and being old enough to know better yet pretending not to know. If life is hard enough, if personal problems are bad enough, its always easy to see what one wants to see.

When I was a child, I loved comics book. I still do, it’s just that as an adult, paying $4-a-pop on the average for a comic book is not high on my list of priorities. Anyway, my father took me to a comic book shop when I was 9 or 10. I was a rather sheltered kid and didn’t understand the world, social customs, or how people interacted. The man in front of me in the cashier line had absent-mindedly dropped a $100 bill to his feet.

I told him, he looked down, looked around in sheepish embarrassment, and then picked up his money. Didn’t even thank me. Then I noticed the look of disappointment on my father’s face. I didn’t realize until later that he was disappointed I hadn’t picked up the money myself. At that point in my life, my father was slowly cutting himself away from his family.

I was hurt as a child when he left, but I realized later I was better off without him in my life. It wasn’t until I was an adult that I could appreciate what he wanted to me do that day in the comic book store. For one thing, he wanted me to do something that he didn’t have the courage to do. And, he wanted me to be a naïve accomplice to theft.

Beware the Card Cracking Scam

That memory is an inelegant transition to card cracking, but apt. Card cracking is phishing and bank fraud scam where online scammer solicits the help of naïve, desperate, and poor people to commit bank fraud. Basically, card cracking scammers use promises of easy money to entice people to wittingly, or willfully unwittingly, commit bank fraud.

Card cracking scammers use phishing messages via social media platforms and email promising easy. Such messages may include images of money and a call to make easy money quick and legally. Card cracking messages may say, “If u want to make $1,000 quick and legally, hit me up!” Then, you are sent a message prompting you to reveal your bank account number, debit account number, and any relevant financial information.

The scammer then deposits a phony check drawing against your bank account. Then, the scammer immediately withdraws money from an ATM. Afterward, the scammer will then send you a cut.

Willful Stupidity

The scam is not over. At this point, the bank account holder, not the scammer, needs to finish the last part. The bank account holder has to contact their bank or financial institution and report their debit card stolen. Or, that their identity has been stolen. Then, the bank will automatically reimburse the, “stolen,” money back to the account holder.

Card cracking is not a victimless crime. If you receive such messages, delete them immediately. Never share your private or financial information with strangers. Think about it. Why would you share your financial information with an online scammer? A stranger? The anonymous scammer can steal your money whenever they want. You can enable the card cracker to defraud you just like you did to your bank.

Filing false claims with a financial institution is a federal crime. You are risking 30 years in jail by trying to make easy money with an anonymous, online scammer. Usually, the only way that police or federal agent can get to online scammers is through the accomplices they recruit. There is no such thing as easy money. Being willfully naïve enough to believe such will only get you into trouble, easily.

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