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?

95 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?

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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.

      Delete
    2. 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}.

      Delete
    3. 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

      Delete
    4. 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

      Delete
    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,

      Delete
    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}.

      Delete
    7. 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

      Delete
  3. Hello everyone am ASHA from USA am using this medium to announce to the world and those in need of financial stability to look no further but contact davidbenjaminltd@outlook.com who helped me with the card in less than 1 week after being scammed of my money by others and yet no card. Are you in need of a loan? Or some sort of financial distress and need saving, SEIZE this opportunity and get rich in no time. There are no hidden charges and they deal on transparency basis. I am forever grateful to DAVID BENJAMIN for changing my life a whole new after being scammed by 2 companies who took advantage of me Contact via email on
    davidbenjaminltd@outlook.com

    ReplyDelete
    Replies
    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

      Delete

    2. 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 : ( mrbeckhamblankatmcard@gmail.com) ......................//.

      Delete
    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

      Delete
  4. Get blank ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it's not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today via (ATMENGINEER160@GMAIL.COM) and get your card today and live that luxury life you every dream to live.contact me via(+16627980936)

    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.

      Delete
    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

      Delete
    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

      Delete
  5. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  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
    Replies
    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

      Delete
  7. You are welcome to our online hacking services.We encourage you to try this life transforming deal and be rich forever without any trace. OUR SERVICES We are professional carding team with a large ring around the globe.With over 2 million ATM infected with our malware and skimmers,we can grab card data which include track 1 and track 2 with the card pin.We in turn clone this cards using the grabbed data into real ATM cards which can be used to withdraw at the ATM or swiped at stores and POS.We sell these cards to all our customers and interested buyers worlwide,the card has a daily withdrawal limit of $25,000 on ATM and $10,000 spending limit in stores.Contact us now at (excelatmhackers@outlook.com)

    ReplyDelete
  8. ATM Card Hacking, VISA Card + pin, MAKE 20000$ Everyday !

    Contact us on Our Email: creditcardhackers011@gmail.com We sell plastic ATM cards with pin and cash out from ATM. They works all over the world.
    Our You-tube Page is : https://youtu.be/LmsYVc7HVK0

    ReplyDelete
  9. Ever heard of the Blank ATM card capable of making cash withdrawal without being track or harm? I use

    to be a very poor lady,and life seems to be throwing up on me.So i was left with no choice than to

    extend my search,and i finally came across West-brook ATM Hackers Though i had my doubts at

    first,because i have tried getting the card some time ago and i was ripped of my money.But i was left

    with no choice than to try again simply because i had a better understanding of the card from West-

    brook ATM Hackers.To my surprise, i got the blank card within a week.And with this card,i have been

    able to withdraw more than $100,000 already.this card gives me $5000 and it has no purchase online

    limit also it work perfectly at any machine, you can use it in any ATM machine to withdraw $5000 daily

    without any delays or harm,so I am using this medium to appreciate the good works of West-brook ATM

    Hackers,thanks for giving the poor,hopeless and homeless a chance to keep on breathing,unlike those

    other fake hackers that keep on stealing from the poor only to make them more miserable.And to those of

    you out there having difficulties in life and have as well suffered from the hands of those fake

    hackers,here is another chance for you.Look no further but contact SAVALLYGHOSTHACKERS505@GMAIL.COM

    .it over the whole world i believe they will help you as well...


    Email CYBERHACKERS658@GMAIL.COM OR MOBILE TEXT
    +138626971357 CONTACT TODAY AND GET RICH FOREVER
    WITHDREW $5,500 EVERY DAY CARD COST $150USD
    WITHDREW $10,000 EVERY DAY CARD COST $250USD
    WITHDREW $20,000 EVERY DAY CARD COST $350USD
    WITHDREW $30,000 EVERY DAY CARD COST $450USD
    WITHDREW $40,000 EVERY DAY CARD COST $550USD
    WITHDRAW $50,000 EVERY DAY CARD COST $650USD

    THANK FOR READING WE WISH GOOD LUCK

    ReplyDelete
    Replies
    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

      Delete
  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
  13. BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS AND LIVE A FULFILLED LIFE.

    CHECK THIS OUT AND BECOME RICH TODAY,THROUGH OUR HACKING SERVICES.
    You can hack and break into a bank's security ATM Machine without carrying
    guns or any weapon. How is this possible? First of all we have to learn
    about the manual hacking of ATM MACHINES and BANKING ACCOUNTS HOW THE ATM
    MACHINE WORKS. If you have been to the bank you find out that the money in
    the ATM MACHINE is being filled right inside the house where the machine is
    built with enough security to hack this machine We have develop the special
    blank ATM Card which you can use in any ATM Machine around the world. this
    card is being programmed and can withdraw $10,000 USD within 24 hours in any
    currency your country make use of there is no ATM MACHINES this BLANK ATM
    CARD CANNOT penetrate into it because it has been programmed with various
    tools and software before it will be send to you. The card will make the
    security camera malfunction at that particular time until you are done with
    the transaction you can never be traced. It also has a technique that makes
    it impossible for the CCTVS to detect you, there are so many other hacker
    out there whom claim to be real you have to be very careful they can never
    create this card all they want is your money. No ATM card can be able to
    withdraw $50.000 USD each day that is impossible, getting the card you will
    forward the company your address details so we can proceed to send the card
    to you once you agree to the terms and conditions. you can contact us on
    email now via: Wilscott57@gmail. WE RENDER OUR SERVICES AT AFFORDABLE PRICES.

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

    BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS OR TO START LIVING A GOOD LIFE..... Hack 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. You do not require anybody's account number before you can use it. Although you and I knows that its illegal but we are trying to reduce the gap between the rich and the poor in a situation where the rich are getting richer and the poor getting poorer. Get yours now and start providing for your family. Expand your business or own a company of your own, have a house of your own in any of the city. Email us on: (freeblankatm@gmail.com) There is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can't be traced . To get your own programmed blank ATM card, contact us on: (freeblankatm@gmail.com) or you can text us on +1 323-505-4186.

    ReplyDelete
  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

    ReplyDelete
  16. We are universal hackers and we just succeeded
    with an illegal invention .
    Well, this seems strange
    but true .We just succeeded with hacking universal
    ATM machines with a blank ATM card.These
    cards could withdraw $10,000 per day,depending on
    how they are programmed. Say goodbye to poverty,we know this is illegal
    but we are living large with it .We are not going to give
    out the blank cards for free because we spent most
    of our time hacking so ,we want to make them
    available for you..NOTE :The ATM cards has no
    registered account number ,they can work anywhere in
    the world and they are untraceable .If you need
    them.
    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. BECOME RICH WITH THE USE OF BLANK ATM CARD

    BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS or TO START LIVING A GOOD LIFE..... Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode.This is an opportunity you all have been waiting for. Get the new programmed ATM CARD that can hack any ATM MACHINE and withdraw money from any where in the world. You do not require anybody's account number before you can use it. Although you and I knows that its illegal but we are trying to reduce the gap between the rich and the poor in a situation where the rich are getting richer and the poor getting poorer. Get yours now and provide for your families, make your kids happy by providing all their needs. Email us on: (freeblankatm@gmail.com) There is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can't be traced . To get your own programmed blank ATM card, contact us on: (freeblankatm@gmail.com) or you can text us on +1323-505-4186. You can watch our video here http://bit.do/dkbgn

    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. 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
  37. 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
  38. 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
  39. I've been scammed over $10,000 by wuhack247.club and wuhacker.ru and i said to myself, I will never used such service again, but after i bumped into this page and saw the recommendation by the Admin and also some people also testifying they are legit, I had to give them a trial on blind fate hoping whatever came out of this i'll just accept it. But to my greatest surprise, I ordered for $6000 ATM, after my payment is confirmed I got my ATM, I was so happy that i finally got the legit ATM vendors, Ever since then they blessed me with this card I am now one of their VIP customers. so happy by the help of this site. :) contact atm.h@hackermail.com or atmhacking01@gmail.com

    ReplyDelete
  40. 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
  41. 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
  42. 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
  43. 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
  44. 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
  45. 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
  46. 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
  47. 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
  48. 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
  49. 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
  50. 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
  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 $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
  53. 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
  54. 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
  55. 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

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  56. 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
  57. 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
  58. MAKE 20000$ Everyday with ATM Card Hacking, VISA Card + pin!
    Try and get a blank ATM card today from http://hackatmblankcards.webs.com/ 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 $5,000.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 CCTV to detect you..For details on how to get yours today visit http://hackatmblankcards.webs.com/ or email: hackblackcardservice009 @ gmail. com

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  59. 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