New to carding am in need of help

[Nodoubt101]

Hello I'm new to carding I bought myself a msr605x and i will use an old debit card for the tracks do i need track 101 or track 201 so i can hit atm's because I don't want to unnecessary encode the chip. And can i hit the atm's with only track 1+2+pin or do i need to encode the chip aswell?

[rs310]

you need to encode the chip because atms use the chip reader