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HOW TO BEAT THE ONLINE CASINOS AT THEIR OWN GAME

by Richard Cranium

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-DISCLAIMER-

It is up to the reader to determine the legality of online gambling in his own state/country. This

e-book is a work of “fiction" and is narrated by a fictitious character, Richard Cranium. Any

relation to real persons past or present is purely coincidental. The author does not condone

breaking laws or engaging in reckless behavior. This e-book is for educational purposes only.

YOU and you alone are responsible for your own actions and the consequences that follow.

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My Dear Friends,

I assume you’ve purchased this e-book because you wish to become an advantage player

in the Online Casino world. You see the chips laying on the table and say, “The money’s all

there, but how do I get it?” Or perhaps you wagered a hefty sum at an online casino and lost,

and now you want your money back. I can teach you how to do these things, so please...keep

reading. These next few pages will blow your mind, I promise you.

By the way, if you got this e-book by torrenting it, you’re way ahead of the game, and I

salute you for it!

Your Old Pal,

Richard Cranium

Shall we begin?

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Table of Contents

Part 1 – The General Gist of Things, p5

Part 2 – Getting Started, p6-7

Part 3 – Which Betting System to Choose? , p 8-9

Part 4- Get your Money, p10

Part 5 – Issue the Chargeback, p11-12

Part 6 – Bonus Tips, p13

Part 7 – Richard Cranium Debates Goody Goody Two Shoes, p14

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Part 1 - The General Gist of Things

This system I’m going to teach you isn’t a betting method or some type

of gambling strategy. You will simply exploit a gaping loophole in the online

casino’s deposit system. Let me explain. You see, President Bush signed a

bill on October 13, 2006 called the Unlawful Internet Gambling Enforcement

Act of 2006, or UIGEA for short. This prohibits firms from processing

payments for online gambling. There’s also a bill called the Interstate Wire

Act of 1961 that prohibited betting on race horses over the phone, and is now

applied to betting online (government logic). When your average person sees

this, they think, “OH NO ONLINE GAMBLING IS ILLEGAL IF YOU DO IT

YOU’LL GO TO PRISON FOREVER AND GET BUTT FUCKED BY

BUBBA!!!” That’s just not the case. You see, the law prohibits the banks,

credit card companies, and anybody else who processes money from allowing

transactions for online gambling. There are no repercussions for the individual

attempting the transaction, and to this day not a single person has been

investigated or prosecuted for gambling online [1].

Because of this, there aren’t any Online Casinos based in America,

although some on the state and federal level are trying to change that. As for the

foreign casinos, they’re aware of UIGEA, so most won’t accept America players. Notice how I

said “most?” There are online casinos out there that allow Americans to play, and they do it by

laundering your money.

Now we’re getting to the good part. To avoid their transactions from being flagged by

American banks and credit cards, the Online Casinos will process your money through a third

party. To date I’ve seen them use several methods:

1. Process your deposit through a fake company with an obscure name. They may list

themselves as clothing stores, jewelery stores, or basically any store that processes huge

charges.

2. Process your deposit as a purchase from a fake website, be it a furniture website,

electronics website etc.

3. Process your deposit as a gift certificate for a fake website that is redeemed at the casino.

Here’s the loophole. Since the casinos use fraudulent methods to receive your money, IT IS

EXTREMELY EASY AND LEGAL TO ISSUE A CHARGEBACK ON ALL YOUR DEPOSITS

AND STILL WITHDRAW MONEY FROM THE CASINO!!! Even better, the casinos won’t fight

chargebacks because that would blow their money laundering operation! Let that sink in for a

little bit...you can deposit as much money as you want, request it right back, and never pay the

initial charges. Due to the time it takes the credit card companies to inform the casino of the

chargeback, and plain crappy accounting on the casino’s part, there’s a window of time where

the casino doesn’t know you’re not paying them, leaving you plenty of time to deposit,

withdraw, chargeback and repeat. You can make money from nothing with this system, as long

as you have credit. Now, let’s get down to the details, step by step.

This is Bubba. He

lives on every cell

block of every

prison ever, and he

WILL rape you if you

follow this guide.

He also rapes kids

who pirate music.

.and don’t pay their

parking fines.

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Part 2 - Getting Started

Now you’ve decided to defraud some casinos, so you have to pick one to start out with.

To keep things as discreet as possible, I won’t recommend specific casinos. Instead, I’ve written

up some guidelines for picking the best one!

1. Use your favorite search engine to search for Online Casinos that accept US players.

2. After you’ve picked a casino, enter that casino’s name in your search engine. Look for

player reviews. You’re doing this to make sure the OC actually pays its players and

won’t steal your personal info. Take some time to look through the reviews, and if the

casino gets one or more reviews that say they don’t pay, pick another casino and start

over.

3. Be wary of reviews that advertise the casino for profit. They’ll have nothing but nice

things to say because they’re looking to get a big fat commission check. No casino is

perfect, so if the review admits down falls like “slow payout,” there’s a better chance

they’re telling the truth. Look for gambling community sites for the best reviews.

Now that you have your target picked out, create an account with them, but before you

deposit any money, it’s best to get “verified” with them first. You’ll have to check the individual

casino’s requirements for verification, but the general consensus is you send them a copy of your

driver’s license, a copy of your utility bill for proof of residence, a picture of every credit card

(front and back) you use to make deposits, and a signed agreement form. I know that sounds like

a lot, but it doesn’t take much time, plus you have to do this before they’ll pay you. Oh sure

they’ll accept your deposits without this info, but they love throwing this red tape bullshit at

players trying to collect their winnings, since they may get frustrated and give up, or gamble it

all away before they get verified. You can either e-mail or fax them this stuff, but make sure you

white out the two, middle number sets of your credit card for security purposes.

Some of you security minded types may raise an eyebrow at all that, and I don’t blame you.

That’s why it’s best to take some precautions, namely:

Don’t give them your real phone number. They never ask for verification.

Open a PO box for your physical address or use a willing accomplice’s address.

They still want your utility bill and ID to verify your address. That’s why they

invented a very handy graphic editing tool called Photoshop. Take a picture of your

ID/bill and photoshop it to show your PO box instead of your real address. That

may sound daunting, but it’s really not that hard to learn the basics of the program.

If you don’t feel like doing it yourself, just find a computer art major at your local

college and pay him to do it for you.

Use a throwaway email. It’ll need to be real so you can send your documents and

get verified, but preferably one you’ll never use again.

Here’s some more assurance. I’ve used my real info at the past few casinos, and I’ve

never had my identity or credit cards stolen. If you’re still worried about your credit cards,

just wait until part 5 where I explain the simplicity of chargebacks.

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Time to make a deposit... Pick out a credit card and make a deposit through the casino’s

cashier, but try to keep it under $700, since higher amounts sometimes get flagged. Visa cards

tend to be the most accepted at OCs, FYI. Remember, chargebacks take some time, so whatever

you deposit will be tied up on your card until the card issuer erases the debt. Plan accordingly if

you depend on the card you’re using, or better yet use a card you rarely use. Also if you want to

make the deposit look like somebody used your card to buy something, make the amount

random, like $382.64. This will help when it comes time to issue a chargeback.

Please note, online casinos lure players in by offering them large bonuses for deposits,

anywhere from 10%-200% of your initial deposit. DO NOT TAKE THESE BONUSES! They

appear to be giving away free money, but the catch is you must bet a larger portion of your

money, anywhere from 10-100 times your bankroll, before you can withdraw your winnings, so

it’s almost impossible to profit.

So you’ve got a good casino, you’re completely verified, and you’ve got money in the

system. You’re all ready to start betting on your game of choice. Except this time, your odds of

winning money will be 100%. How much money depends on your betting system, which leads

us to the next section...

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Part 3 - Which Betting System to choose?

This part’s up to you. You can gamble as little or as much as you want - or not at all.

The choice is yours. Use whatever method that suits your needs, or make your own method up.

It all depends on what you’re trying to accomplish.

Conservative Method

With this method you only gamble with a small portion of your deposit. Personally I

tend to make $500 deposits and play with $100. First, make your deposit and then

immediately withdraw your non-playing portion. This will give you a base line of pure

profit no matter if you win or lose. Plus, it reduces the urge to gamble everything away

should you start getting your ass handed to you. Even though you’re going to make

money no matter what, the psychological urge to win back what you “lost” is still there.

Be aware of this and withdraw your baseline before you start playing!

Now pick whatever game you want and go to town. I usually play blackjack because of

the higher odds of winning, but you can play whatever. If you win, then withdraw your

winnings. If you lose, shut down the casino and call it a day.

Using this method will give you the chance to win a little extra money, or at least satisfy

your gambling itch. Also it gives you the disguise of a legitimate gambler. Not that I

think the casinos are sharp enough to notice those who make deposits only to withdraw it

all without playing, but you can never be too careful. Speaking of which...

No risk - pure profit

Why not just deposit the money and withdraw it without gambling? That way you’re

guaranteed a certain amount of profit each deposit with no temptation to gamble it all

away. This is perfect for gambling addicts wishing to kick the habit, or those who find

gambling boring.

Like I said before, I don’t think the casinos will catch on if you use this method, but it

can’t hurt to take a precaution by waiting a day or two to withdraw. This will give you

the guise of the gambler who makes a deposit but has “second thoughts.”

Balls Out

Now you put everything on the line, well at least your credit card charge the casino thinks

it’s getting. Go to the blackjack table and drop a couple hundred, or set a slot machine on

autoplay for 1000 spins. Your goal is to win big and not stop until your balance is either

zero or fucking huge.

Personally I haven’t profited from this method yet, but I have turned a $100 deposit into

$4000 in the past (I lost my head and gambled it all away after arguing with my

girlfriend). Still, it has the potential to win a lot of money without putting anything on

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the line except your “deposit,” plus it’s great for those who want to do a ton of risk free

gambling.

A word of warning... Most casinos have a weekly payout limit, anywhere

from $3000 - $8000+. If you withdraw over this limit, they pay you in

weekly installments. The kicker is even reputable casinos have been known

to screw this up and not pay what they owe, or go so far as to investigate

your account and find some minute reason not to pay up. If you win big, be

sure to keep the fire on their ass so you get your winnings. Don’t be afraid

to report them to casino watch groups (again do a search, there are dozens of

em) if they try to stiff you. If you’d rather avoid all this, just withdraw

your winnings in small amounts, < $2000. If you withdraw $2k and have

$8k in the system, then the casino views that $8k as practically theirs and

leaves you alone. That’s why they take a few days to “verify” your

withdraw, because they’re betting on you gambling away everything, only to

cancel your withdrawl and gamble that away too.

Other ways to win???

There is another known method for winning money, but the casinos have taken steps to

curtail it. Remember how I said to avoid bonuses? Well, “back in the day,” bonus rules

were a lot looser. Therefore, you could make a deposit, receive a bonus, and then play

blackjack until you met the bonus requirements [2].

That’s a little vague, so let me explain. If you play blackjack with basic strategy, you

have slightly less than a 50% of winning. Therefore, you could bet a small amount

consistently,while only losing around 1% of your payroll in the long run, while meeting

the required betting amount needed for withdrawal. Here’s an example:

-Make a $500 deposit, receive a $500 bonus - you now have a $1000 bankroll

-Bonus rules say you must bet $10,000 before withdrawing

-$10,000 x 0.01(house edge)= $100

-You can now withdraw $900, which is $400 of profit

It’s still possible to use this method at some OCs, but most casinos have jacked up the

bonus requirements so high it’s next to impossible to win anything, or they don’t offer

high enough bonuses to turn a profit. Besides, the casinos call this method “bonus abuse”

even though you’re not breaking any rules. Apparently winning anything at a casino is

abusive in their eyes, so fuck em!

If you’re interested in trying this out, there are free guides out there on the web. Here’s

one to get you started:

Casino Whoring 101

You’re going to need

these to use this

method.

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Part 4 - Get your Money

There are many different ways to withdraw your money from the casino, such as ACH

deposit, check by mail/courier, or payment through a third party website. I’ve found the simplest

way to get your money is by check. That way you don’t have to deal with an online bank, and

you don’t have to give the casino your bank numbers. Plus they process checks through dummy

companies much like deposits, so that’s an added security for you. Sometimes they’ll charge

you for shipping if you go through a courier, but it’s worth it. Also try to keep your check under

$2,000. This will mean a faster payout for you and less bullshit from the casino since you’re

considered a low roller.

Once you get your check, go cash the fucker and be proud of yourself. You just finished

the hardest part of beating the casino, so now it’s time for the easy part - settling your “debt”

with the credit card company.

With your casino check you can afford some better lighting -

and a laptop that doesn’t suck.

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Part 5- Issue the Chargeback

Not a whole lot of people are familiar with chargeback rights, which is a shame. They’re

one of the very few reasons to actually use credit, since credit cards have no

other useful purposes besides trapping you in loan shark debt and butt-fucking

you with interest.

When you issue a chargeback, you are disputing a certain charge with

your credit card provider. People do chargebacks for a number of reasons, the

biggest being fraud, as in somebody jacked their card numbers or the actual

card, or they plain lost it somewhere. Then there are other reasons like getting

shitty goods from a merchant, being charged twice accidently, etc. The list

goes on and on. What’s great is the credit card providers almost always side

with the card user instead of the merchant. This has paved the way for

“friendly fraud,” where card users knowingly rack up credit card debt and then

claim they lost their card or got cheated somehow. That kind of sounds like

what we’re doing, but I’m talking about merchants that don’t launder money

illegally. Still, nobody seems to care about friendly fraud except the merchants

themselves. The consumer gets free goods and services, the government gets its

sales tax, the card provider gets its percentage and fees, so the only one who

really gets screwed is the store [3].

I’m not advocating friendly fraud, but what I am saying is people easily

get away with illegitimate chargebacks, so legit ones like yours are even easier.

Most credit cards have fraud protection of some sorts, so they may have contacted you

already if the casino charged you through a suspicious looking merchant. If this happens before

you’re finished with your present casino, just ignore the calls until you get your check. If you

don’t have fraud protection, or the charge looked legit and slipped through, then it’s up to you to

contact your credit card provider. Just give that number on the back of your card a call and ask

to report fraud. Once you’re actually talking with somebody from fraud management, try to

follow these guidelines:

1. DO NOT TELL THEM YOU’VE BEEN “GAMBLING” ONLINE! Yes, technically

they’re supposed to stop the charge because of UIGEA, but there’s a lot of ignorance

surrounding online gambling legality, so you may have to fight them to re-fund the

money.

2. Ask them to identify the “suspicious” looking charges. They’ll be able to give you the

merchant’s name as well as what type of business they run. Let’s say they tell you the

$500 charge is from a clothing store. Tell them you never purchased such an amount

from a “clothing store,” nor did you benefit from this clothing store charge. They will

take your word for it and send you a fraud affirmation form. They’ll also close your

account, so you gotta destroy your card and wait for a new one in the mail. This is why

it’s best to use a backup card instead of your main one.

This is Bubba. Now

that he’s out of

prison, he got a job

at American Express,

ass raping you with

APR interest instead

of his penis.

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3. Once you receive the fraud affirmation form, simply say your card is in your possession,

you don’t know who racked up the charges, nor do you recognize the charges. Don’t

claim your card was lost or stolen, because that may require a police report. Dealing with

the local honkers is never fun, so don’t go that route.

4. Afterwards your credit card will reverse the charges while they investigate, which may

take a month or more. Depending on your card, the charge reversals may not show on

your credit limit for awhile, so don’t use up all your credit if you depend on it.

5. After a month or two you’ll receive a letter in the mail telling you they’ve completed

their investigation, and you’re not responsible for the charges. Works every time!

Needless to say, once you’ve gotten this far, you’ll eventually get banned from the casino

you’re patronizing. If you want to keep going, just pick another casino and start over! You can

keep this up as long as there are casinos out there who accept US players, and let me tell ya,

there’s no shortage of em.

Oh, if you gave the casino your real e-mail and phone number like I did, (STUPID!) you may

get some calls/letters demanding payment. They’ll try to scare you by claiming stuff like they’ll

fuck up your credit rating (false = chargebacks have no effect on your credit rating [6]), hire a

collection agency (false = their activities violate federal law [1]), or sue you (false = see

previous). Like I’ve been saying, they are knowingly violating federal law because they can get

away with it. Your chargebacks are a “cost of business” to them, and they’re merely bluffing to

try and cut their losses. Since they can’t do anything to you, you have nothing to fear, but if you

want to avoid these annoyances, just use a throw-away email, fake phone number, and po-box

for your check.

Alright rookie, listen up. I know

you’re new to fraud management,

but I’m only going to explain this

once.

CHARGEBACK

EVERYTHING

WITHOUT QUESTION. Yessir!!!!

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Part 6 – Bonus Tips

Just for good measure, I’m going to throw out some bonus tips. Head these nuggets for

maximum profit.

1. Even though you are within your rights, morally and legally, to dispute casino charges,

it’s not the best of ideas to max out your credit card every-time your provider sends you a

new one. This will lead to unneeded suspicion, and the key to success in this business is

stealth. You need to play the part of an unlucky joe who occasionally gets his credit card

number jacked. This is why processing legitimate charges (especially online purchases)

is key since your provider will assume a waiter stole your number, or maybe that shady

ebayer from China. Who knows? This sort of thing happens all the time, and your

provider knows it.

2. I would recommend only using your credit card once every few months at the most. Hell,

it’s even safer to do as the wise men say and just “hit it and quit it.” Rack up a few

thousand and leave this business for good. Use the money to start up a legit business, or

spend it on adult toys. I spent some of my cash on a penis extender just the other day, but

I think it was a little overboard for actual use. Maybe one of those dick cages that make

your tool all bumpy would be a better option for next time. But as I was saying, stealth is

key. Only hit up online casinos once in awhile, or hit them up once and call it quits.

3. Don’t apply for a bunch of credit cards at once if you care about your credit rating.

Every time somebody inquires about your credit, your credit score takes a blow [4]. I

know some of you may want to get a bunch of cards right now to maximize your profits,

but it may hurt you down the road should you need a loan. If you must get new cards,

space em out every couple of months to keep your score intact. Remember, if your credit

score goes down, you’re a horrible human being!

4. This should go without saying, but only tell those you trust about your gambling

activities. Even better, tell no one. I know I’ve been saying again and again you’re not

violating any laws by reversing fraudulent charges, but I also said there’s a lot of

ignorance surrounding this topic on all levels. It’s tempting to tell a bunch of people

because many will think you’re a badass genius, but you have to watch out for do-

gooders who may give you a hard time. It’s best to keep this to yourself, or at least tell

your closest loved ones who will keep your secrets.

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Part 7 - Richard Cranium debates with Goody-Goody Two Shoes

Q. Isn’t it morally wrong to steal from online casinos?

A. Casinos are corrupt enterprises, employing games rigged in the house’s favor. This is

typically called the “house edge,” although if the player gains an edge it’s typically called

“cheating.” The hypocrisy is pretty blatant, so what’s wrong with taking money from them?

You aren’t stealing from some entity that produces a good or service vital to public welfare.

You’re stealing from wealthy fattases who use psychological manipulation to mind-fuck people

out of their savings. To hell with them I say!

Q. But it’s illegal! You’re committing credit card fraud!

A. I’ve been gambling online for a long time, and not once have my credit cards ever been

charged for gambling purposes. However I keep finding these strange charges for jewelry stores,

clothing stores, electronic stores (the list goes on and on), so naturally I request chargebacks

since I never recognize these outlandish charges. How is that fraud in a legal sense? The

answer, “It isn’t!”

Secondly, the online casinos aren’t going to dispute your chargebacks. They are laundering your

money to circumvent UIGEA, so they’re not going to risk blowing their cover to argue about that

$500 you got from them without paying.

Third, the government isn’t going to give a shit about your ripping off the online casinos because

they hate them for taking profits away from the brick and mortar casinos that pay them tribute

(taxes). They’ve also never prosecuted people for playing at online casinos or disputing casino

charges [1].

Fourth, the credit card companies aren’t going to give a shit about your requesting chargebacks

because the chargebacks are legitimate, plus they still make a profit off disputed charges. You

know how the credit card companies take a 3-5% commission from all charges they process?

They keep that money even if the charge was canceled because it was disputed, plus they may

levy penalties and other sorts of fees they pull out of their ass at the time [5].

Q. The casinos will find out you’re not paying them and they’ll put you on a list getting you

banned from all online casinos!

A. This one’s interesting. As I’ve said, it typically takes casinos months to realize you’re not

paying them, so no matter what, you have plenty of time to produce ample profit. Secondly, the

Online Casinos insist there’s some universal list of players who issue chargebacks or try to cheat

them in some way, similar to Vegas’ Griffin Book, but does this list really exist? I don’t know. I

do know I’ve been banned from several casinos so far, and have yet to find a casino that refuses

my patronage. I suspect this list is just a scare tactic the Casinos employ to keep their profits up.

It may be real in some form, but I’m definitely not on it.

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My Dear Friends,

I sincerely hope this guide helped you turn a profit, or perhaps it helped you erase some

burdensome gambling debt. Whatever the case, I wish you nothing but the best. You deserve to

live a free and happy existence, and with so many obstacles in today’s society, few things help

more than an easy wad of cash. Hopefully...we can all strike a blow to the casino fat cats, and

stop them from swindling anymore of our people. Until then, may you live free and fulfilled in

all things.

Your Old Pal,

Richard Cranium

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References

1) Humphry, Chuck. Internet Gambling Funding Ban. http://www.gambling-law-

us.com/Federal-Laws/internet-gambling-ban.htm

2) Casino Whoring 101. http://www.latestcasinobonuses.com/casinowhore101.html

3) Wikipedia. Chargeback. http://en.wikipedia.org/wiki/Chargeback

4) Kennan, Mark. EHow. Does Applying for Credit Cards Lower your Credit Rating?

http://www.ehow.com/facts_5240491_applying-cards-lower-credit-rating_.html

5) Merchant Talk. http://www.merchanttalk.com/?p=93

6) Conrad, Bonnie. Ehow. How to Remove Chargeback Items from your Credit Report.

http://www.ehow.com/how_6245967_remove-chargeback-items-credit-report.html

Holy crap I never thought I’d use this outside of college! Stay in school kids.