I am also relatively new in this BUSINESS and that is what it is a BUSINESS and there is no get rich quick way, just a bunch of things to learn and methods to perfect. I would call carding online from my short experience (month or two besides a little more a few years back which was so easy it shouldn't even been called carding) more of a practice. You must remember very bright people go into the business of fraud detection and prevention so to make real money is going to require intellect, education and social engineering because after all online carding in many situations is more of a con than just plugging a cvv into a check out. (but sometimes with some sites it is that simple). I would advice looking it to some of the current online carding fraud prevention measures i have below and coming up with a plan to defeat them.
These are current fraud prevention measures and a percentage of how many online retailers are using them (a online retailers poll study from 2009)
# Device “fingerprinting” identification, 27%
# IP geolocation, 27%,
# Verified by Visa/MasterCard Secure Code, 29%,
# Customer order history, 44%,
# Web site customer behavior analysis, 19%,
# Order velocity monitoring, 35%,
# Card verification number, 77%,
# Shared negative lists, 16%,
# Fraud-scoring model (company-specific), 28%,
# Postal address validation service, 34%,
# Telephone number verification, 24%,
# Multi-merchant purchase velocity, 12%,
# Address verification service, 76%,
# Positive lists, 21%,
# Negative lists (in-house), 40%,
# Public records service, 13%,
# In-wallet/out-of-wallet challenge/response, 7%
# Other, 7%
# Credit history check 2%