In the world of credit card fraud, knowledge is power — and nothing puts power in a carder’s hands like a good BIN list. For those who understand the game, BINs (Bank Identification Numbers) are more than just six digits on a card. They’re the compass that guides every successful swipe, clone, or dump. If you’re navigating the underground world of card dumps, fullz, and CVV shops, mastering BINs is non-negotiable.
Let’s break down exactly why BIN lists are the cornerstone of modern carding — and how fraudsters use them to pick high-value targets, avoid detection, and maximize profit.
What Is a BIN?
A BIN (Bank Identification Number) — now known as an IIN (Issuer Identification Number) — is the first 6 to 8 digits of a credit or debit card. It identifies the issuing bank, card type (credit/debit), brand (Visa, MasterCard, Amex), and even the country of origin.
Example:
Card Number: 4532 62XX XXXX XXXX
BIN: 453262
That small number gives fraudsters more info than most people realize.
Why BIN Lists Matter in Carding
When you’re shopping for dumps with PIN, buying fullz, or filtering CVVs on a CC dump site, BIN targeting is how fraudsters:
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Choose high-limit cards
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Avoid international flags
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Select cards with the highest approval rates
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Bypass fraud detection systems
Here’s how a fraudster thinks:
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Targeting Chase or Bank of America BINs? Higher chance of higher limits.
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Avoiding prepaid BINs? Less hassle, more profit.
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Looking for Canadian or UK BINs? Easier approval on certain cardable sites.
Common BIN List Filters Fraudsters Use
A modern BIN list used by fraudsters is a searchable database. You can filter BINs by:
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Bank: Chase, Capital One, Wells Fargo
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Card Type: Debit, Credit, Corporate, Prepaid
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Level: Classic, Gold, Platinum, World Elite
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Country: US, UK, CA, RU, EU, etc.
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3D Secure Status: Useful for carding sites that block 3D Secure cards
Here’s an example layout of a BIN entry:
Fraudsters use this intel to avoid declined transactions and increase chances of success when using card data on cardable websites or marketplaces.
How BINs Are Used with CVV, Dumps, and Fullz
If you’ve ever been inside a cvv shop, you’ll notice you can search by BIN. Here’s how different fraud tactics use BINs:
CVV Carding:
Use BINs to target low-risk, non-3DS cards for online purchases.
Dumps with PIN:
Use BINs to find debit cards from U.S. banks, then clone to plastic and withdraw from ATMs.
Fullz Fraud:
Combine a known BIN with full identity data to spoof a real cardholder and pass identity verification.
Fraudsters often test cards using BIN-specific tools before making large purchases or withdrawals.
Real-World Carding Examples Using BIN Lists
In 2023, several high-profile fraud rings were dismantled for trafficking in BIN-specific data:
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U.S. DOJ Indicts Darknet Vendors Selling BINs
Vendors sold cards filtered by BINs targeting business accounts with $20,000+ limits. -
Krebs on Security Exposes BIN Filtering in CVV Shops
Revealed BIN-based phishing campaigns targeting specific U.S. banks with low fraud protection.
Even open-source BIN lookup tools like Binlist.net or IINDB have been abused by criminals to vet cards before carding.
Tools & Sites Fraudsters Use for BIN Data (For Research/Education)
While this blog doesn’t condone illegal activity, researchers and analysts often study tools such as:
These tools allow filtering and verification of card data — the same way many underground BIN databases do.
The Dark Side: BIN Attacks on Payment Systems
BIN-based fraud isn’t just about individual fraudsters anymore. Organized cybercrime rings are launching automated BIN attacks, also known as BIN enumeration — where bots generate thousands of cards using known BINs to brute-force CVV and expiry data.
Example: 2021 British Airways Data Breach was exploited using BIN enumeration techniques — source.
Conclusion: BIN Lists = Carding GPS
To the untrained eye, a BIN is just a number. But to the fraudster, it’s a GPS coordinate to fraud success. It dictates what cards to buy, how to use them, and where they’ll work. Whether filtering for dumps, hunting fullz, or swiping cloned cards at gas stations, BINs are the backbone of it all.
If you’re analyzing card fraud or studying the cybercrime economy, understanding BIN intelligence isn’t optional — it’s essential.
