Using a more prestigious card instead of a regular card?

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Using a more prestigious card instead of a regular card?

Postby X65975 » Mon May 09, 2011 7:22 pm


Is there a card reader/writer that can reprogram a debit/credit card? For example, if I have a Citi debit card and an Amex platinum... Something that would reprogram the strip on the Amex so that using it actually charges the citi account?

This is not for fraud, but to "trick" people by paying with a more prestigious card. Any use of this would be done so between accounts owned by myself.


CFE Sleuth
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Postby CFE Sleuth » Tue May 10, 2011 7:24 am

Wow, where do I begin?

Although I'm not an attorney, I am a financial crimes fraud investigator, so I will simply say that the altering the credit card magstripe is not a good idea.

I also have to be honest with the fact that when I read your post, all kinds of bells and whistles go off in my head. I doubt you'll find what you're looking for here.
[size=80]Amex Platinum
Amex Starwood Preferred Guests
Amex Blue Cash Everyday
Discover Cashback Bonus
Capital One Cash Rewards[/size]

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Postby X65975 » Tue May 10, 2011 4:50 pm

thanks for your input :)

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Postby DoingHomework » Fri May 13, 2011 4:02 pm

Yeah, I heard lots of bells and whistles as well. But I'm not sure there actually is any crime here as long as the user has legitimate authority to use both cards.

Swiping the card is simply a means to provide information to the merchant. In the old days this was done using a mechanical imprint device. This is also now commonly done by typing in the information online or providing the numbers over the telephone. Doing what is proposed is not much different from holding your AMEX card in your hand while typing in the numbers from your Citi card.

Still, I hardly see the point. What do you expect to gain from it. If you expect to get anything of material benefit then you are committing a crime. If you are just looking to get noticed then, again, what's the point. No one is impressed with a platinum card anymore. I have one. So what?

The biggest problem that I see is that in most cases your card remains the property of the issuing company. Defacing it or altering the information on it likely is a crime or is at least a violation of the terms. You would, in effect, be counterfeiting. But, wow, I would need to read the statutes carefully to even decide for myself and I bet there would be debate even among attorneys. It sure seems like a crime to me but the circumstances for which it is described seem to completely lack any criminal intent and that is a clear requirement of every crime.

Why don't you just do what a lot of people do - get yourself an old Centurion card then flash it before paying with your debit card. That will get you a whole lot more notice and is much less likely to be an actual offense.

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Postby jeffysdad » Sun May 15, 2011 9:25 am

I think -- besides several other issues -- there is the matter of misrepresentation here. If you present one card to a merchant (gold MasterCard, for example) and the strip swipes as (Visa signature, for example), you have given the merchant something different from what you represented. Whether the distinction is a "real difference" is moot; something was offered and something different was given without the knowledge of the merchant.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Mogul of Pineapples » Mon May 16, 2011 11:35 pm

To original poster:

This sounds like it might be illegal so please do not post/ask about it again. Even if you have no malicious motive I would think this could get you in huge legal trouble due to the reasons mentioned by others.

Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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