General questions of a beginner

[masterhaz007]

Hello together,
I am new to this forum and also relatively new to carding. I successfully carded clothes from a german onlineshop twice, that’s it – until now.
I now wanted to educate myself about physical carding @ atms as well as instore and i am reading now since days, through multiple forums and the more i read the more i get confused, so i decided to post this thread and ask for clarification:
Dumps:
simply copying the data onto a card and withdraw at an atm (with pin) does not seem to work anymore because the atm does not read the magnetic stripe but only the chip which we cant write our data to. Is that correct?
Instore wont work too with those cards, IF their device is reading the chip. But Ifr they are using the magnetic stripe, it will work? Right?
I read about damaging the chip, what could cause the machine using the stripe after it has failed reading the damaged chip. Is this something what could potentially work on atms?
And the last thing: so called 101 atms, what are those exactly? Are they only reading the stripe, so withdrawing could work here? But those are very old and very very hard to find since they all got replaced with newer, more secured devices?
I’m sorry for this bunch of questions. It‘s not my intention going the fastest and laziest route, I’m just very confused from reading and reading and reading and the more i read the more contradictory it gets.
Would be great if someone could help to get rid of this knot in my head. Thank you, i appreciate your time!