Credit Card Security Code

[DaddyTorgo]

so my 3-digit "card security code" is rubbed off - anyway to figure out what it is?

[stevew]

Ugh, i hate it when that happens.

Sometimes you'll get lucky and it'll be lightly etched in, and you can figure it out with intense light or a rubbing a crayon over the etchings.

[DaddyTorgo]

maybe i'll try that. Buddy suggested going in to the bank with it too (it's a bank card), maybe i'll try that.

[Grammaticus]

Call the Issuer, they will either tell you the code, mail it to you or issue you a new card.

[oliegirl]

If you call your bank they should be able to give it to you - you'll have to give about 50 pieces of "identifying information" but they should give it to you...if they can't/won't, they'll order you a replacement card, which isn't a huge inconvenience unless you have a bunch of stuff set up on auto-pay through your bank card.

FYI, I work in Customer Service/Phone Sales...we ask for the CVV code, but if someone won't give it to us, we can run a charge without it. From what I've heard, that is standard...if the merchant gets it, it seriously decreases their liability in a chargeback/fraud situation. As far as I know, that is the only reason merchants ask for it.

[Grammaticus]

The Issuer will likely verify your info and give it to you as that is cheaper than sending out a replacement card (not a new number). Although it is entirely up to them.

The security code does not decrease the merchants liability in a chargeback. It gives the merchant a piece of information to help them make a decision on whether or not to accept the card. The presentation of the security code decreases the chance the person making the sale is a fraudster as it is more difficult to get the code than a card number, address, etc.

That said, some online sellers will not accept the transaction without a positive security code (strictly their choice) and that is smart on their part.

[DaddyTorgo]

The Issuer will likely verify your info and give it to you as that is cheaper than sending out a replacement card (not a new number). Although it is entirely up to them.

The security code does not decrease the merchants liability in a chargeback. It gives the merchant a piece of information to help them make a decision on whether or not to accept the card. The presentation of the security code decreases the chance the person making the sale is a fraudster as it is more difficult to get the code than a card number, address, etc.

That said, some online sellers will not accept the transaction without a positive security code (strictly their choice) and that is smart on their part.

oh fuck...tomorrow is sunday!! I just want to preorder OOTP damnit!

[SackAttack]

the upshot is, there's only, like, 999 possible combinations, right?

[Bonegavel]

Rubbing one out can cause blindness too.

[DaddyTorgo]

solved it. Found my "mini card" lying on my desk that has it on it

[14ers]

the upshot is, there's only, like, 999 possible combinations, right?
My Amex card has a 4 digit number, so that would make it 9,999 :(

[JeeberD]

OOTP. Riiiiiight...


;)

[JediKooter]

My wife uses a Sharpie on the card when the security number fades and that seems to work.

[Horizon]

My wife uses a Sharpie on the card when the security number fades and that seems to work.
I do the same thing with my PIN number. :)

[SackAttack]

My Amex card has a 4 digit number, so that would make it 9,999 :(

How'd you rub the four digit number on the front off? the security code on the back of a visa or mastercard, I could see, but damn.