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The magnetic strip contains three strips or tracks of information. The first track contains the credit card number, the credit cardholder’s name, and the credit card’s expiration date. The second track contains the credit card number and the expiration date. The third track contains information about customer loyalty programs.
Track 1 is the only track of the card which contain the holder name. Carder use to change the name from the track to match with the fake ID’s they have or with the name embossed on the plastic. This track is written with code known as odd parity or DEC SIXBIT. Track 1 format is usually as follows:



%B3703730081187237^BRAND/STARK D ^200910100000023001000000415000000?
· START SENTINEL = is 1 character, usual( % )
· FORMAT CODE = a single character, financial cards format code is( B )
· PRIMARY ACCOUNT NUMBER (PAN) = usual is the card number, but not always ( 3703730081187237)
· FIELD SEPARATOR = financial cards use a single symbol for it which is ( ^ )
· NAME OF CARD HOLDER = contain 2 until 26 characters (BRAND/STARK)
· FIELD SEPARATOR = symbol for it is ( ^ )
· EXPIRE DATE = in format YYMM (2009 )
· SERVICE CODE = three characters( 101 )
· DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV ( 00000023001000000415000000)
· END SENTINEL = is 1 character, usual ( ? )

Track 2 it is the track developed by the banking industry and it is most important track of a dump. Almost all dumps will work if this track 2 is correct. It is written with a 5 bit-scheme,4 data bits and 1 parity. This track data format is
;370373660206009=200910118023328700000?
· START SENTINEL = is 1 character, usual ( ; )
· PRIMARY ACCOUNT NUMBER (PAN) = usual the card number ( 370373660206009 )
· SEPARATOR = usual symbol ( = )
· EXPIRE DATE = in YYMM format (2009 )
· SERVICE CODE = a three digits code ( 101 )
· DISCRETIONARY DATA = which may contain PIN VERIFICATION KEY (it is not the ATM PIN), card verification value, CVV (18023328700000 )
· END SENTINEL = usual the symbol ( ? )

Track 3 is virtually unused by the major world wide networks. It was developed by Thrift Saving Industry. Point Of Sales (POS) will not read this track.
SERVICE CODE
The card service code is a 3 digits code present in both track 1 and track 2.Each of the 3 digits o f the code has a meaning and read it together the service code let us know where and how the card can be used
If the first digit is:
· 1-card is for international use
· 2-card is for international use but has chip
· 5-card is for national use
· 6-card is for national use but has chip
· 7-card is not good for interchange except for bilateral agreements
· 9-test card
If the second digit is
· 0-card is normal,without restriction
· 2-issuer must be contacted via online means
· 4-issuer must be contacted via online means except under bilateral agreements
If the last digit is
· 0-no restriction but PIN is required
· 1-no restrictions
· 2-card can be used for goods and services payment but not for cash
· 3-ATM use only,PIN is required
· 4-cash only
· 5-card can be used for goods and services payment but not for cash but PIN is required
· 6-no restrictions,PIN should be used where is feasible



· 7-card can be used for goods and services payment but not for cash but PIN should be used where is feasible