Elf Qrin's Cyber Lab

since 1999

ElfQrin DisCard Credit Card generator and validator Elf Qrin's DisCard - Credit Card Numbers Generator and Validator

Generate a Credit Card Number

Enter a Pattern (BIN):
Or choose a BIN pattern from the list
Generated cards:    Separator:    Data format:    
Add random expiry date Add random CVV
Click here to generate a realistic Card Holder's name complete with a virtual identity

Validate (Verify) a Credit Card Number

Credit Card #
NFC Paycard EMV AID #
Click here to generate and lookup credit card BIN codes

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Information and terms of use of Discard credit card generator - generador de tarjetas - generatore di carte di credito - generateur de carte de credit bancaire - kreditkarten generator

This tool generates information from algorithms, it does not produce actual issued documents nor facsimiles, specimen or samples of real documents.

Generate valid debit and free credit card numbers from banks worldwide or create your own pattern (BIN code).
This program is intended for developers who are studying credit or debit cards algorithms, and persons who want to test their own working credit card numbers. Don't try to use DisCard (or similar programs) to attempt actual payments or frauds: nowadays shops, e-commerce websites, and banks check if credit card numbers they receive were actually been issued, before to send goods or give a paid service.
Credit card companies tend to lead full scale investigations when their cards are misused, and will make every effort to bust fraudsters. Also avoid so called hacked, cracked, or fake credit card number lists.
Carding is a very risky business, and there's not such a thing as free money.
You'd rather get a good job and apply for a real credit card.

DisCard verifies and generates credit card numbers. Supports best credit card networks, Visa, MasterCard, and Discover, American Express, Diners Club, Carte Blanche, JCB. Includes also Maestro, Visa Electron, and other Credit and Debit Card and ATM related cards of banks and private entities worldwide such as Credit Karma, Chase creditcards, Citicards, Target Red Card, Merrick, Costco, Synchrony Financial Bank, Torrid, Indigo, Nerdwallet credit cards, Comenity Bank, chip and pin, pre-qualified, pre-approved or otherwise.
Credit cards for rebuilding credit, for good credit, for bad credit, for no credit. Credit cards with no annual fee, with low interest rates, with 0 apr.

Card holder's name and expiry date are not coded into the card number, thus any name and expiry date can fit any valid number.

The card security code (CSC), also called Card Verification Data (CVD), Card Verification Value (CVV or CVV2), Card Verification Value Code (CVVC), Card Verification Code (CVC or CVC2), Verification Code (V-Code or V Code), Card Code Verification (CCV), or Signature Panel Code (SPC), isn't coded in the card number, either.
Further security measures for offline purchases are chip and signature (used to be swipe and signature in the past) which requires the user to sign a receipt after buying good or services with his card, or chip and pin, when the user have to enter a code (generally a 4 digits number) in the numeric pad of a device to pay with the card. Contactless cards don't require signature or pin for small amounts (generally up to about 25 USD or EUR).

Credit Cards FAQ

Who uses credit cards? How credit cards work?
Everybody, many adults anywhere in the world own more than one credit card. Nowadays most shops accept credit cards and they can be used to make purchases online.

Are credit cards considered money? Why credit cards are not money?
Credit cards are not properly money, they have no legal tender, they must be covered by the credit of the holder, but they work as replacement for money in most situations.

Who is the credit card holder?
The credit card holder is the person to whom the credit card is registered, whose name is printed on the credit card on physical cards.

What credit cards allow a cosigner?
A credit card holder may ask the bank to have another person authorized to use their card.

What credit cards should I have? What credit cards can I get? What credit cards are accepted in Europe? What credit cards are accepted in the USA? What credit cards are accepted worldwide? Which credit cards are accepted? Which credit cards do accept online stores? Which credit cards are easy to get?
Most accepted credit cards all over the world are Visa and MasterCard.

Why credit cards are important? Why credit cards are good for the economy? Why credit cards are bad for the economy? Why credit cards are good? Why credit cards are bad? Why credit cards are evil? Why credit cards are dangerous? Are credit cards bad? Are credit cards good? Are credit cards evil? Are credit cards dangerous? How credit cards affect your credit?
Credit cards aren't intrinsecally good or bad. They make payments quick and easy. Unfortunately they can be misused for frauds, or in good faith by people that may spend too much.

Are credit cards free? Why credit cards charge annual fee?
Credit card companies generally charge a fee to cover their expense, which include card protection cover to refund from losses for stolen, lost, or cloned cards.

Are credit cards insured? Which credit cards offer price protection?
Most credit card companies protect their customers from frauds or other risks arising out from stolen, lost, or cloned cards. Sometimes, they offer extra protections, like travel insurance.

Why credit cards have PIN?
The PIN of a credit card should be known only by people authorized to use such card. It's a security measure meant to prevent strangers to make payments or misuse the card.

Why credit cards offer rewards?
Many credit card companies run loyalty programs that offer cash back or points to keep their customers. Sometimes they are tied with loyalty programs offered by other companies, like air miles of airlines for their frequent flyers.

Why credit cards are good for college students? Why credit cards are bad for college students?
Credit cards are practical and useful to students because they can be recharged remotely by their parents.

Why credit cards are stolen? Why credit cards are cloned? Why credit card numbers are stolen?
Just like any other human activities, credit cards can be targeted by criminals. Credit card companies usually offer card protection cover to protect their customers from frauds.

Can credit cards be used internationally?
Yes, credit cards are accepted almost anywhere in the world and also on online shops and marketplaces, like Amazon or eBay. Your bank may block some foreign countries for safety reasons, but you may ask to unblock them if you have to travel there.

Can credit cards be tracked? Can you get caught using fake credit cards?
When you use a credit card you leave traces: the operation is traced, the money transfer from the source to the destination is traced, and if you operate online there will be a trace for the online activity too.

When credit cards are reported?
Anytime credit cards are misused they are reported.

When a credit card expires? Why credit cards expires?
Credit cards expire because they are reissued periodically to make sure they are still funded and they can still be honored. The expiration date (and sometimes the issuing date) is printed on the front of the card.

Where is the security code?
The security code is normally a three digits number printed in the back of the card.

What's the material used to make credit cards? Are credit cards recyclable?
Most cards are made of polyvinyl chloride (PVC). Their plastic is not easily recyclable and in fact they are hardly recicled.

Can credit cards get wet? Are credit cards waterproof?
Yes, credit cards are waterproof, even in salt water. Even their chips are sealed in epoxy resin.

Declined Card Messages
Decline TypeMessage for the CustomerMessage for the Merchant
Insufficient Funds The transaction was declined due to insufficient funds in your account. Please use a different card or contact your bank. The card has insufficient funds to cover the cost of the transaction.
Declined Your card was declined. In order to resolve the issue, you will need to contact your bank. The customer's bank has declined their card. The customer will need to contact their bank to learn the cause.
Temporary Hold Your card has a temporary hold. Please use a different card or contact your bank. The issuing bank has a temporary hold on the card. ('Do Not Honor' response).
Fraud Stolen Card The transaction was declined. Please use a different card or contact your bank. The card has been designated as lost or stolen; contact the issuing bank.
Invalid Card or Account Number Your card number is not valid. Please update your card number. The credit card number is not valid. The customer needs to try a different number.
Expired Card Your credit card is expired, please update your card. The payment gateway declined the transaction because the expiration date is expired or does not match.