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You can say that it is an unauthorized digital copy of the information contained in the magnetic strip of an active credit card, such as the card number and expiration date. The information can then be used to create a clone credit card to make purchases. You can use track 1&2 info of the dumps and write it on a blank card using your MSR Reader. Once this has been done, you can use the card for instore carding (Shopping) or make withdrawals from the ATM How is Dumps with Pin Gotten? Hackers also known as skimmers usually insert a skimming device to POS Machine, at the gas station or any point of sales where credit/debit card payment is accepted If a victim uses a POS Machine with the skimming device, his/her card information will be obtained and stored in the tracks (1 and 2), these tracks can be used to make duplicate of the card and will be used as the original card. 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