Pls make me understand first the basics of a credit card. then we will come to the question of hacking it.
1. The issuing company: Can be a bank, automobile company, etc., Again there are hundreds of banks world wide that issue cc as well as other cos too...
2. The credit card no: Card number - The first digit on the credit card is the system number or Major Industry Identifier which identifies the industry which has issued the credit card.
The types of major industries listed are: 1-Airlines, 2-Airlines and other industry, 3-Travel and entertainment, 4-Banking and Financial, 5-Banking and Financial, 6-Merchandizing and banking, 7-Petroleum-8Telecommunication and other industry.
Again other details regarding the cc company like:AMEX/DINERS/MASTER/VISA/DISCOVER is present in the card no itself.
3. Card issue & expiry date: is in mm-yy format for both.
4. Name: Your name as printed on the card. Might be different from the one you had submitted while applying for it as it need not be 100% same to your name
5. CVV: Card Verification Value or Code (CVV or CVC) - This is a unique 3 digit no that is needed to additionally verify the authenticity while making a transaction.
Now if you could generate all the above possibilities accurately using a generator then you may be the king. Any deviation in any alphabet or no will make the transaction void.
For example I have a credit card from any Bank (Like Citi, HSBC, Stan Chart, etc.). Starts with no. 4. Is of either type: Master/Visa, etc., and has a unique CVV no on the reverse. You need to enter exactly all the details present on a real valid card for a transaction to be processed like online shopping, etc.,
If somehow (God only knows how) you get all the information correct by some trillion-zillion or infinite combination and are able to do some transaction -THAT WILL BE FRAUD under the LAW and you may be penalised severely-the severity will depend on the your country which you belong too.
So good luck. And if you have the time and resources to do it- carry on -and if you ever succeed in doing a successful transaction- however small that might be- pls let us know by this forum -we will hail you as a hero