Inside The Dark Web Credit Card Scam Making Millions Every Month
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What does Matt reveal about the scale and mechanics of the U.S. credit‑card fraud industry?
Everything that you could ever need or want to forge and make and press credit cards, we have access to all of it. I could press like 12 cards in a couple hours. And I'm smoking meth and I'm slamming heroin and I'm not sleeping for three days at a time. So we would test the card to make sure it was good. So every card that we sent with somebody, we knew it worked. I never thought that it would go on as long or that it become as big or that I would ever
Credit card fraud in the United States is a $14 billion a year business. In fact, American consumers account for nearly half of all credit card fraud loss in the world. My guest today was part of a massive fraud ring that charged millions of dollars to the credit cards of stolen identities purchased from the dark web. Matthew Handy is a former drug addict who spent 20 years in the throw. Of crippling drug addiction and funded his lifestyle through drug trafficking, extortion, bank robbery, organized retail theft, and yes, large-scale credit card fraud. These stories are insane. Make sure to check out Matt's YouTube channel and reach out to him if you're struggling with addiction and need help getting clean.
And of course, hit that subscribe button so that you never miss an episode. Ladies and gentlemen, the Wild Life of Matthew Handy, right here on the Connect with Johnny Mitchell.
It's not risk avoidant. But it's definitely like how the fuck am I gonna get out of this? What was your drug? Well of choice. Heroine was like The the biggest problem for the longest. Heroin's awesome drug.
Have you done it? No. It's a good thing. I don't want to ruin my life. Yeah. But it's one of those things, as you say, it's not like Coke where it's a psychological thing. It's it's a physical.
How did Matt’s early drug use evolve from crack to heroin and shape his criminal mindset?
You're gonna be sick in about five hours. I gotta figure out how to get some money. Fascinating as fuck.
Yeah. The uh My last arrest I I was dirty for heroin, meth, weed, Xanax, PCP. Coke, but 'cause I was smoking crack on the weekends for fun. And um fentanyl.
Mm. So it was like
It was the garden. It was like a subway sandwich. Just just put it all in. Because like that's just what it evolved into.
How how did crack complement
heroin? So I'd s I started smoking crack when I was 13. So Um, I I just had a lot of fun doing it. Everybody else hated it 'cause I would like really get all fucking whacked out. But I fucking had a lot of fun. And also heroin like overpowers basically everything. Well, I've
heard from heroin addicts and heroin dealers that the the junkies would use coke as a
way to just like Chill out. Yeah, it does this though. So like back in the day in LA when you bought Uh two balloons of heroin you get a balloon of Coke for free. So it'd be like a nickel of coke for your shot, right? Where were you copping in LA? So I had ca I was in San Diego, but um I have skid row stories. I wasn't I wasn't really copping. It was just there was the guy in the tent next to me had Heroine. Oh. So you were living down there? Uh I would go up there and like Hang out. For a while. You know, but like my All of it happened in San Diego.
Hm. I
just have like s random like I lived in San Bernardino. For like three years and like I just traveled all over the place. Actually, really what it was is I would get like so paranoid. Just about the crimes that I was committing that I would like relocate and then commit a shitload of crimes and then relocate and then commit a shitload of crimes and relocate.
Yeah.
But I think the worst paranoia was from like the credit card scams. Mm-hmm. Because I was in San Bernard. Do you know San Bernardino? Uh yeah. I I know its reputation. Okay. So I was beautiful area. Most beautiful city in Southern California. Actually, it is really actually so that was a nineteen seventy one all American city.
Yeah.
Um it was very industrial back then and like had a lot of money coming through there. And it's like the gateway to the to the deserts too. Like whether you're going from San Diego or LA or like you can even come down from the mountains. Like you get out to the Mojave Desert that way.
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Chapters
8 chapters
1
What does Matt reveal about the scale and mechanics of the U.S. credit‑card fraud industry?
0:00–1:50
2
How did Matt’s early drug use evolve from crack to heroin and shape his criminal mindset?
1:50–5:31
3
Why did Matt decide to rob a bank to win back his girlfriend’s attention?
5:31–1:03:02
4
How does Matt describe his life after prison, the AB 109 parole system, and his return to his family?
1:03:02–1:22:32
5
What steps did Matt and his crew take to build a credit‑card‑fraud operation – from the Amazon “donation” scheme to buying equipment and forging cards?
1:22:32–1:42:27
6
Why did paranoia and extortion push Matt to leave San Bernardino, and how did the fraud network eventually collapse?
1:42:27–2:04:57
7
How did Matt’s small‑scale energy‑drink theft evolve into a larger criminal operation?
2:04:57–2:19:03
8
What did Matt reveal about the rise of fentanyl‑laced meth and its impact on users?
2:19:03–3:01:33
Speakers
1 identifiedMore from The Connect- with Johnny Mitchell
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