Wednesday, August 18, 2010

What's the Difference Between Money and Debt?

(An idea I've been playing with lately, just wanted to get something on virtual paper.)

Currency, dollar bills, are liabilities of the Federal Reserve. Federal debt is a liability of the US Treasury. Leaving aside some deliberate obscurity around the precise legal status of the Fed, both are liabilities of the US government. Of course there are various formal differences, but economically, wouldn't it be simplest to regard them the same?

In other words, while we are taught that there are no close substitutes for money but that government and private debt are substitutes for each other, wouldn't it be better to say that money and government debt are substitutes for each other and both are complements for private debt? More concretely, given lenders' need for liquidity, an increase in their holding of government debt may make them more willing to hold private debt, i.e. under some circumstances, an increase in government debt could put downward rather than upward pressure on interest rates further out the yield curve.

The canonical case is the recent financial crisis. As I've discussed before, there's an argument (which gets at least some support from non-crazies like Perry Mehrling and Brad DeLong) that insufficient federal debt contributed to the crisis, by creating demand for equivalently liquid but higher-return substitutes, thus fueling the financial innovation of the 1990s and 2000s. Of course this dynamic would have increased the availability of credit for private borrowers whose liabilities were (a) seen as implicitly enjoying a federal guarantee and (b) easily securitizable. But for borrowers that didn't meet those criteria, the lack of enough new federal debt may have made banks less willing to lend to them, in exactly the same way a lack of reserves would have in the old days. And even if the restriction of credit to non-securitizable borrowers was not that big in the boom, the lack of federal debt certainly exacerbated the crash.

So far this is just thinking aloud. But a bunch of smart people seem to be heading in this direction. Take for instance Roger Farmer's call for more quantitative easing (via DeLong). Says Farmer, "Even if the Bank of England were to buy the entire UK national debt, this policy would not be inflationary." This is just a dramatic way of making the point that as government debt and money have become closer substitutes, the economic consequences of shifts between them have become smaller. As Farmer says, money no longer occupies a discrete, unique role. Instead, there is a continuum of assets: "At the safe end of the spectrum there is cash. At the risky end there is equity and low grade bonds." And in a rich country like the US or UK, government debt is very close to the money end. Where Farmer is less convincing is his idea that the interchangeability of money and public debt came about all at once, when central banks began paying interest on reserves. Seems to me it was a longer process of institutional evolution.

One implication of this, again, is that a smoothly functioning financial system requires more public debt, indefinitely. (Another reason to agree with Davidson, Galbraith and Skidelsky that austerity tomorrow is no more desirable than austerity today.) But there's a second implication: If money as a discrete category is obsolete, then so is monetary policy as we know it. If Treasuries are as liquid as so-called high-powered money, then monetary policy -- which comes down to injecting and removing liquidity -- must work on the former and not just the latter; but of course the volume of federal debt is orders of magnitude greater than the volume of reserves. Which suggests that quantitative easing may be the only kind of easing there is, from here on out, that is, no more distinction between monetary and fiscal policy.


EDIT: What's the affinity between cranks and money? Everyone knows that discussions of monetary theory bring all the cranks to the yard. But am I the only one who finds that writing about this stuff, makes me feel like a crank?

108 comments:

  1. hi josh.

    me questioning aloud in response to your thinking aloud:

    1. for whom are money and private debt substitutes; and complements with private debt? (just want to make sure i'm understanding you correctly).

    2. how does the latter complementarity fit with the spectrum view of Farmer?

    3. would "sufficient" federal debt prevent a demand for similarly liquid higher-return substitutes as well? (i suppose i should look into this argument more.)

    4. to some extent your second implication about money as (not) a discrete category and monetary policy is similar (not identical of course) to the older problem associated with targeting the money supply in the absence of a singular measure. right?

    5. "Currency, dollar bills, are liabilities of the Federal Reserve. Federal debt is a liability of the US Treasury...but economically, wouldn't it be simplest to regard them the same?" Are they really liabilities in the same sense though?


    I need to think to myself a bit before commenting more...

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  2. Hey Joe. Thanks for the questions -- I'm still trying to clarify this in my own mind.

    The idea is that in the old days financial actors, in order to have an acceptable cushion of liquidity, sought to keep a certain portion of their assets in the form of money. (This was formalized for some assets, for some actors, for some period as reserve requirements but it's a general feature of asset markets even without them.) More money, more willingness to hold (i.e. demand for) illiquid assets, so the price of non-money assets should move in line with the supply of money, and the return inversely.

    Money was largely supplied by banks (including near-banks of various kinds) to the rest of the private sector, but banks' own liquidity needs being met by reserves. This two-stage process was what allowed the quantitatively small open-market operations to affect aggregate activity.Open-market operations operated on banks' Treasuries-reserves margin, so their effectiveness depended on the latter being more liquid than the former.

    So as federal debt becomes money-like, two things happen. First, for wealth owners in general, an increase in federal debt represents more liquid assets to offset their holdings of of illiquid ones (rather than, as in the past, more illiquid assets to be offset by increased money holdings) and so tends to push interest rates down rather than up. Second, for banks, the mix of reserves and federal debt in their portfolios no longer matters, so open market operations, which trade one for the other, no longer matter. Thus the need for QE.

    Krugman would say this convergence between debt and money is a phenomenon of the zero lower bound. Farmer would say it's a consequence of paying interest on reserves. Personally I think there are longer-term institutional changes at work too, altho I'm not exactly sure what they are.

    1. Money and debt are substitutes, and complements for private debt, (a) in bank portfolios, (b) as international reserves (I didn't talk about that in the post, but it's a big part of what's motivating my thinking about this), and (c) as liquidity for wealth owners in general.

    2. He's not really talking about that piece of the story, but they fit together as above.

    3. Yes, exactly. The idea is that if federal deficits had been high enough in the 1990s and 2000s, there would not have been pressure to securitize mortgages. (Of course this needs some working out -- in particular it seems to depend on the idea that wealth owners are not just seeking higher risk-adjusted return in general, but have some minimum target threshold.)

    4. The issues are similar in terms of the reserves->money link for banks. They're different in terms of the money->asset demand link for wealthowners in general.

    5. Why wouldn't they be?

    ReplyDelete
    Replies
    1. PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com.

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      I am Mrs joy shanna and i want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd. All Thanks to the{johnblankatmhacker@gmail.com}.

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    5. PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com,

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    6. I am Mrs joy shanna and i want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd. All Thanks to the {johnblankatmhacker@gmail.com}.


      I am Mrs joy shanna and i want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd. All Thanks to the {johnblankatmhacker@gmail.com}.

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    1. Hello everyone i'm Ryan Damian by name, from USA.... i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Clifford. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.Clifford because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Clifford sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: worldwideblankatmhackers@yahoo.com

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    Replies
    1. PLEASE READ!!
      Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie's email address is anniemellor233@yahoo.com.

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    2. Hello everyone i'm Ryan Damian by name, from USA.... i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Clifford. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.Clifford because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Clifford sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: worldwideblankatmhackers@yahoo.com

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    3. Hello everyone i'm Ryan Damian by name, from USA.... i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Clifford. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.Clifford because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Clifford sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: worldwideblankatmhackers@yahoo.com

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  5. Hello Everybody,
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  6. I found an ideal and reliable ATM COMPANY frederickbrooks@outlook.com is the email address contact now and get your blank card with over $80,000 loaded on the card and $2,000 daily withdrawal. This card is capable of use at atm machines pay points etc . I got mine you should get yours too, the email address is frederickbrooks@outlook.com

    ReplyDelete
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    1. Hello everyone i'm Ryan Damian by name, from USA.... i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Clifford. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.Clifford because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Clifford sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: worldwideblankatmhackers@yahoo.com

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    ReplyDelete
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    1. Hello everyone i'm Ryan Damian by name, from USA.... i am here to share this message of greatness to only those who will seize the opportunity life will offer to become somebody great and actualize their dreams.so happy I got mine from Mr Clifford. My blank ATM card can withdraw 5000 dollars daily. I got it from Him last week and now I have 50000 dollars monthly. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr.Clifford because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr Clifford sent the card through UPS Express Delivery Shipment, and i got it in 4 days. Get your own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught.Start living your big dreams, living that large and comfortable life that you always wised for, contact email: worldwideblankatmhackers@yahoo.com

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  10. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com

    ReplyDelete
  11. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com..

    ReplyDelete
  12. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com.....

    ReplyDelete
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  14. BECOME RICH WITH THE USE OF BLANK ATM CARD

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  15. I got my already programmed blank ATM card to withdraw a maximum of $5,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $100,000. Mr scott is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from he. Just send he an email on:scottgarry181@outlook.com

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    EMAIL: atmmachine111@gmail.com

    ReplyDelete
  17. Hi, My name is Kevin joe and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Eric he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. praying and hoping it work i used the blank ATM CARD and it was successful i withdraw nor less than 10,000 dollar each every day the blank ATM CARD worked like a magic and now i have become rich and famous in my society,it just too real to be real if you want to order for the blank ATM CARD here is there email address (blankatmhackercard6@gmail.com

    ReplyDelete
  18. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  19. I am Mrs joy shanna and i want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd. All Thanks to the{johnblankatmhacker@gmail.com}.

    ReplyDelete
  20. Become rich today and take the risk of transforming your own life.Try and get a blank ATM card today from (MR STEVEN) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I'm rich because am a living testimony. The list money I get in a day with this card is about $5,000.I keeping pumping money into my account.there is no risk of being caught because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today, email the hackers on blankatmhacker@yahoo.com or call +1(310)-751-7818

    ReplyDelete
  21. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!

    ReplyDelete
  22. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!

    ReplyDelete
  23. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!

    ReplyDelete
  24. PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!!Am so happy I got mine from Elizabeth. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $8,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Elizabeth because i met two people before her and they took my money not knowing that they were scams. But am happy now. Elizabeth sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Elizabeth because she changed my story all of a sudden . The card works in all countries except Philippines, Mali and Nigeria. Elizabeth's email address is elizabethcole232@yahoo.com!

    ReplyDelete
  25. Sanchez
    BE SMART AND BECOME RICH IN LESS THAN 3DAYS…It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) and i only spent $200 to get the card.Only serious individuals should contact him because he is very straight forward if you dont have the money dont even brother to contact him and he is serious 100% trusted i am a living testimony. Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on:(pcgblankatm@yahoo.com) tell your loved once too, and start to live large. That’s the simple way of been reach now ..

    ReplyDelete
  26. PURCHASE A HACKED ATM CARD TODAY!!!
    We sell physical loaded ATM cards . It is a croned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/MasterCard. Therefore it works at any ATM Machine that accept Visa/masterCard
    Worldwide. CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS? Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds is exhausted.
    DO I NEED TO ORDER NEW CARD EVERY TIME WHEN THE FUNDS HAS FINISHED? No, if you have already ordered our card, there is no need to keep ordering new cards, Just contact us for a reload. We shall easily reload the ATM card already in your possession. contact us on (Stephenbrian2020@gmail.com)

    ReplyDelete
  27. I am thankful and grateful to Mr Derrick a trustworthy hackers i found online who helped me get the programmed blank ATM card. I was more in deep debts that i could have ever imagine, that i can't put food on my kids table. One Afternoon, i was in Facebook chatting with my cousin and i came across different people making comment on this email{derricksecureblankatmhackers@gmail.com} stating how they got the card from them, so i tried to google the email and i saw different comments of his great work of giving out a blank card so i didn't hesitate i gave them a last try by contacting them and they told me what to do and how much to pay for the card, i decline because i have been scammed many times but they guaranteed me that if i don't get my card that the fee will be refunded and to my greatest surprise ever and still seems like a dream to me, when i got the blank card delivered to me and soon i shall be getting a home for my self after i withdrawn the total amount of $17 Million United State Dollars , Stop contacting scammers they cant help you, rather contact this hackers for your card and they are real contact Mr derrick on their email or on their what app number:+2349037387574 and have all your problems solved.

    ReplyDelete
  28. My name is Jennifer Lora me and my husband are here to testify about how we
    use Mark Jones ATM CARD to make money and also have our own business
    today. Go get your blank ATM card today and be among the lucky ones. This
    PROGRAMMED blank ATM card is capable of hacking into any ATM
    machine,anywhere in the world.It has really changed our life for good and
    now we can say we are rich and we can never be poor again. You can withdraw
    the maximum of $ 10,000 daily We can proudly say our business is doing fine
    and we have up to 20,000 000 (20 millions dollars in our account) Is not
    illegal,there is no risk of being caught ,because it has been programmed in
    such a way that it is not traceable,it also has a technique that makes it
    impossible for the CCTV to detect you..For details on how to get yours today, you can contact him today if you need the card on [ +917400317104 ] or email him on [ markjonesatmcard@gmail.com ]

    ReplyDelete
  29. My name is am from united states.become rich today and take the risk of transforming your own life. Try and get a blank ATM card today from (Mr Lucas) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich because am a living testimony. The least money I get in a day with this card is about $4,000. i can also withdraw up to $65,000 a month now and then I keeping pumping money into my account. Though is illegal, there is no risk of being caught ,because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today,Email the hackers on:fastestblankatmhackers@gmail.com or what app him on his number:+2348076023257.

    ReplyDelete
  30. GET RICH WITHIN 1WEEKS CONTACT:DERRICKSECUREBLANKATMHACKERS@GMAIL.COM

    I want to share a life changing story with everyone who cares to read this testimony. Blank ATM cards are real and are effective all over the world. my name is [Juan Nate] i live in SPAIN . I got this card from [Mr Derrick] a month ago. this card has really help me pay my debits and now i am free from all financial problems. I no this is hard to believe , but i never new there was this kind of card until i got one. This card withdraw more than €6000 daily and it is very easy to use. But you have to be very careful in other not to be caught by the police because it is illegal. If you want more information on this card and how to get one just contact the hackers by this address(derricksecureblankatmhackers@gmail.com) or also on their what app number:+2349037387574. now my life is more better daily as i can pay my bills without any problems or whatsoever.

    ReplyDelete
  31. My name is am from united states.become rich today and take the risk of transforming your own life. Try and get a blank ATM card today from (Mr Lucas) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich because am a living testimony. The least money I get in a day with this card is about $4,000. i can also withdraw up to $65,000 a month now and then I keeping pumping money into my account. Though is illegal, there is no risk of being caught ,because it has been programmed in such a way that it is not traceable, it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today,Email the hackers on:fastestblankatmhackers@gmail.com or what app him on his number:+2348076023257,

    ReplyDelete
  32. BE SMART AND BECOME RICH IN LESS THAN 3 DAYS USING BLANK ATM CARDS

    We are a professional carding team with a large ring around the globe. With over 2 million ATM infected with our malware and skimmers, we can grab bank card data which include the track 1 and track 2 with the card pin. This page provides the latest hacking news, exploits and vulnerabilities for ethical hackers. long description this page provides the latest hacking news, exploits and vulnerabilities for ethical hackers. Please note that we are ethical hackers and as such only show you how to hack test systems and not other people. We are a professional carding team. We in turn clone this cards using the grabbed data into real ATM cards which can be used to withdraw at the ATM or swipe at stores and POS. We sell this cards to all our customers and interested buyers worldwide.

    .......... EXPLANATION OF HOW THESE CARD WORKS..........

    You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT #1,000, 2nd VAULT #5,000, re-programmed and exit, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly done.

    there are different varies of cards

    The card that withdraws from $10 to $10,000
    The card that withdraws from $10 to $20,000
    The card that withdraws from $10 to $30,000
    The card that withdraws from $10 to $50,000
    The card that withdraws from $10 to $100,000

    ***NOTE: DON'T EVER MAKE THE MISTAKE OF CLICKING THE "ALL" OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. To get the card email again at dukeblankhacker@outlook.com..

    ReplyDelete
  33. BE SMART AND BECOME RICH IN LESS THAN 3DAYS….It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (johnsiphas@gmail.com). Tell your loved once too, and start to live large. That’s the simple testimony of how my life changed for good…Love you all …the email address again is ; johnsiphas@gmail.com

    ReplyDelete
  34. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except,his whatsapp number +12048178403 or email him:dicksonblankatmhacker@gmail.com

    ReplyDelete
  35. Good day to all viewer online..Hacker Atm card is right here and get rich immediately and take money directly from any ATM Machine Vault with the use of our ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any where in the world. it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mr Dickson because i met two people before me and they took my money not knowing that they were scams. But am happy now.Mr Dickson sent the card through DHL and i got it in 24hours. Get your own card from Mr Dickson now he is not like other scammer pretending to have the ATM card,Mr Dickson is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. im grateful to Mr Dickson because he changed my story all of a sudden . The card works in all countries except,his whatsapp number +12048178403 or email him:dicksonblankatmhacker@gmail.com

    ReplyDelete
  36. I have my ATM card already programmed to withdraw the maximum of $ 4,000 a day for a maximum of 20 days. I'm so happy with this because I got mine last week and I've used it to get $ 44,000. Mr Martins is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours today by sending a mail to martinshackers22@gmail.com

    ReplyDelete
  37. get your blank ATM card today from me, i prepare cards that worth 50,000$, with this card you can buy properties online and you can make maximum withdrawals of 3000$ daily from any ATM machine in your country, if you need this card contact me on my email dupuymichael26@gmail.com
    many persons have received this card and they have been saved from poverty and financial stress , get your card now.

    regards


    ReplyDelete
  38. Hello everyone, my name is Kate and I want to recommend a reliable hacker who helped hack my husband's cell phone remotely.

    Which gave me full access to all his texts and, and now he has nothing to hide from me. If you require his service, contact ghosthacker2351@gmail.com, tell him Kate referred you he'll help.

    ReplyDelete
  39. RODNEY
    HACK AND TAKE MONEY DIRECTLY FROM ANY ATM MACHINE, THERE ARE ATM PROGRAMMED CARDS LOADED WITH $100,000,00 WITH THIS CARD YOU CAN TAKE OUT $50.000 DAILY.. TO GET ONE OF THESE CARDS AND GET FREE $5.000 TO $50.000 DAILY EMAIL THE HACKER ON.. (Rodneymoneyhackerorg@gmail.com) ..
    ........EXPLANATION HOW TO USE THE CARD ..........
    You just slot in these card into any ATM Machine and it will automatically bring up a MENU of 1st VAULT #1,000, 2nd VAULT #5,000, RE-PROGRAMMED, EXIT, CANCEL. Just click on either of the VAULTS, and it will take you to another SUB-MENU of ALL, OTHERS, EXIT, CANCEL. Just click on others and type in the amount you wish to withdraw from the ATM and you have it cashed instantly... Done.
    ***NOTE: DON'T EVER MAKE THE MISTAKE OF CLICKING THE "ALL" OPTION. BECAUSE IT WILL TAKE OUT ALL THE AMOUNT OF THE SELECTED VAULT. To get the card email (rodneymoneyhackerorg@gmail.com)

    ReplyDelete
  40. I am Mrs joy shanna and i want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn't afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn't allow me get another job and they did all they could to destroy my life just for declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd. All Thanks to the {johnblankatmhacker@gmail.com}.

    ReplyDelete
  41. BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast
    you can be to get the new PROGRAMMED blank ATM card that is capable of
    hacking into any ATM machine,anywhere in the world. I got to know about
    this BLANK ATM CARD when I was searching for job online about a month
    ago..It has really changed my life for good and now I can say I'm rich and
    I can never be poor again. The least money I get in a day with it is about
    $50,000.(fifty thousand USD) Every now and then I keeping pumping money
    into my account. Though is illegal,there is no risk of being caught
    ,because it has been programmed in such a way that it is not traceable,it
    also has a technique that makes it impossible for the CCTVs to detect
    you..For details on how to get yours today, email the hackers on : (
    atmmachinehackers1@gmail.com ). Tell your
    loved once too, and start to live large. That's the simple testimony of how
    my life changed for good...Love you all ...the email address again is ;
    atmmachinehackers1@gmail.com

    ReplyDelete
  42. Do you need hackers for hire? Do you need to keep an eye on your spouse by gaining access to their emails? As a parent do you want to know what your kids do on a daily basis on social networks ( This includes facebook, twitter , instagram, whatsapp, WeChat and others to make sure they're not getting into trouble? Whatever it is, Ranging from Bank Jobs, Flipping cash, Criminal records, DMV, Taxes, Name it,he will get the job done.He's a professional hacker with 20 Years+ experience. Contact him at dragonhhacker@gmail.com ... Send an email and Its done. Its that easy, Daura referred you

    ReplyDelete
  43. living in poverty is one of the worst experience of human on earth and my situation was so bad until i read about blank ATM card that can hack into any ATM machine in the whole wide world, so i thought it wise to contact him and ordered for mine so he gave me options on having the blank ATM card or getting paid monthly without working so i make research to know If the blank ATM card ever works or ever exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking, then i gave it a try and asked for the card praying and hoping it was not a scam i used the blank ATM card and it was successful. The blank CARD worked like a magic and now i have become rich and famous, if you want to order for the blank ATM card or to have your account been credited without working here is their email sacredspelltemple@hotmail.com

    ReplyDelete
  44. I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MR philips is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him. Just send him an email On philipsharveryblankatmhacker

    ReplyDelete
  45. I never believed in this blank ATM card until i got one for my self, i was going through a friends pics on twitter when i saw a comment about a blank ATM card that can make you rich. I decided to give it a try by purchasing one of the card, though i was curious but my curiosity was satisfied when i got the blank card and made a withdrawal of $5000 instant & was also able to transfer $8000 into my bank account. I never believed this card was real after i lost money to scammers but this hackers proved me wrong that they were real and possesses the card, don't be left out at this great opportunity has i have detected the real hackers. To get this card without getting scammed then Email: ghosthackingfoundation.hk@gmail.com

    ReplyDelete
  46. Hello everyone, If you are in a bad place financially and you want out of it I suggest you contact chevronblankatmhackers@outlook.com for a blank ATM card. It has helped me become a financially stable person and i have no regrets patronizing them.

    ReplyDelete
  47. Do you know you can live that luxurious life you
    want? We have specially programmed ATM cards
    that can be used to withdraw money from ATM
    machines without having money in the bank,We
    sell this cards to all our customers and interested
    buyers worldwide please beware of scams selling
    counterfeit cards and spoiling the image of this
    company, the card has a daily withdrawal limit of $
    5000 on ATM machines. for inquiry email us at
    Blankcarddistributors@gmail.com. Order for yours now
    and it shall be delivered to you wherever you are
    within 48hrs.'"

    ReplyDelete
  48. I am Alicia Julio from Spain, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com

    ReplyDelete
  49. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  50. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  51. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  52. I got my already programmed and blanked ATM card to withdraw the maximum of $5,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week
    and I have used it to get $150,000. Georg Bednorz Hackers is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from Georg Bednorz Hackers today! Just send an email to americanatm13@gmail.com or call him via telephone or whatsApp:+2348143840335

    ReplyDelete
  53. I want to use this medium to thank Mr Harrison for making me rich today with the help of his Blank ATM Card, my life i have been wondering how to make it in life, i tried hard to make sure I'm rich, no friends could help and my parents are poor, i tried hard, i went online guestbook to make a research on how to make money along the line i saw many comment with different people which Mr harrisonl has helped with his blank ATM card, they where thanking him so i gave him a try by texting him through phone number they provided, he replied and ask me what do i need the card for i explained to him so he gave me procedure which i obey and follow, he prepare the card and send it to through ups within 2 days i got my card with my pin i was so happy, i have fully recommend Mr Harrison Blank ATM Card to everyone who want to be rich, Because i promise to tell the world about him, please feel free to text or email him, he will help you he is a good man. Please tell him i shared his Great work for..:harrisonwells989@outlook.com

    ReplyDelete
  54. I got my already programmed and blanked ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. Georg Bednorz Hackers is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to georgbednorzhackers@gmail.com

    ReplyDelete
  55. I have my ATM card programmed and covered to withdraw the maximum of $2,000 per day for a maximum of 20 days. I am very happy about this because I have mine last week and I have used it for $ 2,000. Mr. John Siphas gives the card to help the poor and needy, although it is illegal but it is rather nice and it is not like others scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours from it. Just send an email to johnsiphas@gmail.com

    ReplyDelete
  56. For the past 6 months i have been paying money to several companies just to get me a loaded card and all have scammed me of my money without any delivery. I was told by a friend who got her card in less than 4 days of her applying to contact davidbenjaminltd@outlook.com and lo and behold i was told to make a delivery payment and part payment for the card balance when i receive the card and must have tested it. Am proud to announce to any one in need of a genuine hacker who is tired of loosing money to rippers to contact : davidbenjaminltd@outlook.com and get you card without any story telling.

    ReplyDelete
  57. There is no pleasure in being poor, you have to be competitive change your

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    when making withdrawal contact a reliable and dependable COMPANY

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    ReplyDelete
  58. I've been reluctant in purchasing this blank ATM card i heard about on-line because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from DAVID BENJAMIN COMPANY & we both confirmed it really works, without delay i gave it a go. I have been able to make a cash withdrawal of $5000 daily from the card and am glad i gave it a try at last & this card has really changed my life financially and no more hanging bills. If you need this card from genuine hackers then do not hesitate to contact davidbenjaminltd@outlook.com

    ReplyDelete
  59. I feel so blessed and fulfilled. I've been reluctant in purchasing this blank ATM card i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got the card from Derricksecureblankatmhackers@gmail.com & we both confirmed it if it really works.. Truly, the card worked & without delay i gave it a try also. Ever since then I've been withdrawing up to $10,000 daily from the card & the money has been in my own account. Am glad i gave it a try at last & this card has really changed my life financially without getting caught, its real & truly works and made me rich!! Instead of getting a loan, i will advise you get this blank ATM card now! Contact them now!!! E-mail:derricksecureblankatmhackers@gmail.com or Text them on:+1 517-541-7854

    ReplyDelete
  60. I GOT MY PROGRAMMED BLANK ATM CARD TO WITHDRAW A MAXIMUM OF $5000 DAILY.
    I AM SO EXCITED BECAUSE I ORDERED AND PAID FOR DELIVERY, DIDN'T GET SCAMMED, AND I NOW OWN MY HOME,
    MY BUSINESS HAS GROWN BIGGER.
    GEORG BEDNORZ (georgbednorzhackers@gmail.com) IS THE NAME OF THIS USA HACKER THAT GAVE ME THE CARD
    AND ALSO HE IS OFFERING ALL KINDS OF LOAN WITH ONLY 2% INTEREST RATE.

    ReplyDelete
  61. I got my already programmed and blank ATM card to
    withdraw the maximum of $50,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week
    and I have used it to get $150,000 already. (georgbednorzhackers@gmail.com) is giving
    out the card just to help the poor and needy though it is illegal but it
    is something nice and he is not like other scam pretending
    to have the blank ATM cards. And no one gets caught when
    using the card. get yours from Georg Bednorz Hackers today! Just send an email
    to (georgbednorzhackers@gmail.com)

    ReplyDelete
  62. Get rich today and take the risk of transforming your own life.Try and get an ATM card blank today (CLIFFORD JACKSON) of cliffordhackerspays@gmail.com and be among the lucky ones who are benefiting from this card. This ATM card in white set is capable of hacking into any ATM anywhere in the world. I have to know about this ATM card when I was looking for work online about a month ago..It has really changed my life forever and now I can say I'm rich because I am a living testimony. The less money I get in a day with this card is $ 8,000.Every now and then keep pumping money into my account. Although illegal, there is no risk of being caught, as it is programmed so that it can not track, but also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today, email hackers: cliffordhackerspays@gmail.com

    ReplyDelete

  63. Today I'm so rich with the help of Mr Williams Programmed ATM Card i never believe this could really help me out when i saw Matthew given on his testimony on Facebook how he was helped with Mr Williams Blank ATM card so i decided to email him, he replied and i complain to him i need his help, He replied and told me about his card, its a card programmed for random money withdraws without being noticed and can also be used for free online purchases for some stuff. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to follow instructions his terms and conditions. Hoping and praying it was not fake. 5 days later i received my card from ups courier and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $6000. This was unbelievable and the happiest day of my life with my little kids. So far i have being able to withdraw up to $78000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. Be careful because scammers are everywhere. You will see them copy my post and edit it putting their emails in it. Whoever does this to impersonate me will be arrested. The emails above are verified and any duplicate of the contents here will be severely dealt with. If you want to contact him, Here is the email address (williamshackers@hotmail.com) And I believe he will also Change your life...

    ReplyDelete
  64. I'm so happy to share to you how I got my blank atm card from MR CLIFFORD. My blank ATM card can withdraw a maximum amount of $40,000 daily. I got it from Him last week and now I have $ 550,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on really happy with MR CLIFFORD because two people took my money not knowing that they were scams. But happy now.MR CLIFFORD sent the card through DHL and I got it in two days. Get your own card from him now he's not scammer pretending to have the ATM card, he's giving it out for free illegal but it helps a lot and no one ever gets caught. I'm grateful to MR CLIFFORD because he changed my story all of the best . MR CLIFFORD'S email address is(cliffordhackerspays@gmail.com)....

    ReplyDelete
  65. I know a professional hacker globalhackingcompany@gmail.Com who has worked for me once this month. He offers legit services such as clearing of bad records online without being traced back to you, He clone phones, hack Facebook account,blank atm card, instagram, WhatsApp, emails, Twitter, bank accounts, Skype, FIXES CREDIT REPORTs, track calls. He also help retrieve accounts that have been taking by hackers. His charges are affordable, reliable and 100% safe. Contact him via address below...
    Email...globalhackingcompany@gmail.com
    What.sApp..+1(929)390-8581

    ReplyDelete
  66. Are you in financial crisis, looking for money to start your own business or to pay your bills?
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    ReplyDelete
  67. I was searching for loan to sort out my bills & debts, then i saw comments about Blank ATM Card that can be hacked and withdraw money from any ATM machines around you anywhere in the world . I doubted thus but decided to give it a try by contacting united blank atm hack card they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with$50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the Courier agent in my resident with a parcel {card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. Contact these email if you wants to get rich with this....Via email: unitedblankatmhackcard@gmail.com or WhatsApp Via:+351 965 761 372

    ReplyDelete
  68. I got my already programmed and blanked ATM card to withdraw the maximum of $1,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mike Fisher Hackers is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from Mike Fisher Hackers today! *email cyberhackingcompany@gmail.com

    ReplyDelete
  69. I have my ATM card already programmed to withdraw the maximum of $ 4,000 a day for a maximum of 20 days. I'm so happy with this because I got mine last week and I've used it to get $ 44,000. Mr Clifford is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours today by sending a mail to cliffordhackerspays@gmail.com.... THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKERS EMAIL: cliffordhackerspays@gmail.com

    ReplyDelete
  70. WHEN I GOT MY BLANK ATM CARD FROM CJ BLANK CARD (BLANKATMCARDS.ONLINE@YAHOO.COM OR watsapp: +18453813566)EVERYTHING CHANGED FOR ME!!!

    Hello Guys, My Life will never remain the same!!! I’m so happy I got mine from CJ CORPORATION. My blank ATM card can withdraw €3000 weekly. I got it from them last week and now I have up to €23,000 since the past few weeks. The ATM card withdraws money from any automated teller machines worldwide. There’s no name on it, it’s also untraceable. I was directly linked to this organization on the CJ web and I’m really happy i got lucky enough to meet them because I’m a 99.9% skeptical when it comes to things like this, but it turns out they work as underground launderers in turkey, mostly ziraat bank and have a 100% policy against scams. The card can be sent to you through DHL in two days if you contact them early via e-mail: or watsapp: +1 8453813566 Get yours now. I mean right now if you know you’re struggling financially and thank me for eternity. Bye for now. +16787532440

    ReplyDelete