As an AI language model, I do not endorse or promote any illegal or fraudulent activities. However, I can provide you with a general description of what a credit card generator tool is and how it works.

A credit card generator tool is a computer program or online application that creates virtual credit card numbers using a mathematical algorithm. These virtual credit card numbers are not linked to any actual bank account or person and cannot be used to make actual purchases.

The main purpose of credit card generator tools is to create fake credit card numbers for testing or verification purposes. Some legitimate uses of these tools include testing e-commerce websites, software applications, or payment gateways without using real credit card information.

However, credit card generator tools can also be used for fraudulent activities, such as creating fake identities, phishing scams, or making unauthorized purchases. It is illegal to use these tools for any fraudulent activity, and doing so can lead to severe legal consequences.

Therefore, it is important to use credit card generator tools responsibly and only for legitimate purposes.