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Credit card authentification number

D

darkxshade

Lifer
Everytime I purchase stuff online or over the phone... basically when I don't swipe it to make a charge, I have to enter this stupid authentification number. So like do card thieves magically forget to steal this 3-4 digit number on the back of my card(Or in the case of Amex, on the front)? All it is, is just a longer credit card number and makes it harder to memorize. Who's the genius who came up with this great idea thinking that it'll be any different? 😕
 
Its usually on the back...a thief who saw the front and got the number might not have seen the back of the card...especially numbers so small.
 
Originally posted by: darkxshade
Everytime I purchase stuff online or over the phone... basically when I don't swipe it to make a charge, I have to enter this stupid authentification number. So like do card thieves magically forget to steal this 3-4 digit number on the back of my card(Or in the case of Amex, on the front)? All it is, is just a longer credit card number and makes it harder to memorize. Who's the genius who came up with this great idea thinking that it'll be any different? 😕
Click to expand...

all credit card transactions use those. even ones where you swipe. those numbers are actually encoded on the magnetic strip, but the last 4 numbers on the front are not.
 
Yea, I guess it's too much work to turn the card over to copy down the 3 extra digits that's required to make purchases possible. /sarcasm

If they had enough time to copy a 16 digit number, a name and an exp date, I'm sure they have time to go the extra mile. And in the case of actually stealing the card entirely, well then they must be retarded if they don't know about this special "security feature".
 
Originally posted by: darkxshade
Yea, I guess it's too much work to turn the card over to copy down the 3 extra digits that's required to make purchases possible. /sarcasm

If they had enough time to copy a 16 digit number, a name and an exp date, I'm sure they have time to go the extra mile. And in the case of actually stealing the card entirely, well then they must be retarded if they don't know about this special "security feature".
Click to expand...
Usually they don't steal the number off the card, they'll steal it off the receipt or something like that. Those records don't show the extra 3-digit number.

ZV
 
I guess you got a point there though I've yet to get a receipt that showed all of the digits. However I guess it makes it harder to steal it thru CC statements but still, it's a stupid feature, they make all this money off us and this is the best they can come up with? :disgust:
 
Originally posted by: LoKe
Originally posted by: Syringer
Receipts sometimes print all the digits of a CC on them..but not the last 3 #'s on the back.
Click to expand...
Click to expand...
Not anymore they don't. Starting 12/4/2006, if a retailer prints all the numbers on a receipt (for electronically printed receipts only), it's breaking a federal law.

Most machines have been updated already.
 
Originally posted by: MrBond
Originally posted by: LoKe
Originally posted by: Syringer
Receipts sometimes print all the digits of a CC on them..but not the last 3 #'s on the back.
Click to expand...
Click to expand...
Not anymore they don't. Starting 12/4/2006, if a retailer prints all the numbers on a receipt (for electronically printed receipts only), it's breaking a federal law.

Most machines have been updated already.
Click to expand...

You mean in 8 months they won't 😛
 
Credit cards should just have passwords
that are nowhere on the card


Maybe like a PIN number ... probably even better, a real password


 
Originally posted by: darkxshade
Yea, I guess it's too much work to turn the card over to copy down the 3 extra digits that's required to make purchases possible. /sarcasm

If they had enough time to copy a 16 digit number, a name and an exp date, I'm sure they have time to go the extra mile. And in the case of actually stealing the card entirely, well then they must be retarded if they don't know about this special "security feature".
Click to expand...

You don't have a clue, do you?
 
Originally posted by: MrBond
Originally posted by: LoKe
Originally posted by: Syringer
Receipts sometimes print all the digits of a CC on them..but not the last 3 #'s on the back.
Click to expand...
Click to expand...
Not anymore they don't. Starting 12/4/2006, if a retailer prints all the numbers on a receipt (for electronically printed receipts only), it's breaking a federal law.

Most machines have been updated already.
Click to expand...

Heh - wonder if the post office has fixed that yet. I noticed a full acct # on one of my USPS receipts a year (or several) ago..
 
Originally posted by: ElFenix
Originally posted by: darkxshade
Everytime I purchase stuff online or over the phone... basically when I don't swipe it to make a charge, I have to enter this stupid authentification number. So like do card thieves magically forget to steal this 3-4 digit number on the back of my card(Or in the case of Amex, on the front)? All it is, is just a longer credit card number and makes it harder to memorize. Who's the genius who came up with this great idea thinking that it'll be any different? 😕
Click to expand...

all credit card transactions use those. even ones where you swipe. those numbers are actually encoded on the magnetic strip, but the last 4 numbers on the front are not.
Click to expand...

O RLY? then how come i can use pay-at-the-pump and it picks up the last 4 numbers? and i've operated POS machines that pick up the last 4 numbers? and i've swiped a credit card on a card reader that told me the last 4 numbers?

edit: or are you talking about some weird CVV with 4 digits that appears on the front? at the end of the stamped numbers? 😕 clarify
 
Originally posted by: darkxshade
Yea, I guess it's too much work to turn the card over to copy down the 3 extra digits that's required to make purchases possible. /sarcasm

If they had enough time to copy a 16 digit number, a name and an exp date, I'm sure they have time to go the extra mile. And in the case of actually stealing the card entirely, well then they must be retarded if they don't know about this special "security feature".
Click to expand...

dude its not about taking the time to copy those numbers.
Its about epopel who train themselves to memorize those numbers while you are standing there using your card or its about taking a picture of the front set of numbers via possibly a cell phone that can take pixs.
 
You don't need a matching CVV to charge a card. All you need is the correct number + matching expiry date.
 
Originally posted by: ElFenix
Originally posted by: darkxshade
Everytime I purchase stuff online or over the phone... basically when I don't swipe it to make a charge, I have to enter this stupid authentification number. So like do card thieves magically forget to steal this 3-4 digit number on the back of my card(Or in the case of Amex, on the front)? All it is, is just a longer credit card number and makes it harder to memorize. Who's the genius who came up with this great idea thinking that it'll be any different? 😕
Click to expand...

all credit card transactions use those. even ones where you swipe. those numbers are actually encoded on the magnetic strip, but the last 4 numbers on the front are not.
Click to expand...

the last 4 numbers on the front are also encoded.
 
Originally posted by: Runes911
Originally posted by: deftron
Credit cards should just have passwords
that are nowhere on the card


Maybe like a PIN number ... probably even better, a real password
Click to expand...

Verified by visa
Click to expand...

That is a bunch of bullcrap. I set my password when it first came out. Went to buy something at Newegg, and got that screen. typed in the password, and it said password invalid. did it again. Same. Did it a 3rd time, revoked my password.

Called visa and had the damn thing reset (which you have to do over the phone) and did it again, this time it worked.

Got billed 4 times, and Newegg shipped 4 different identital orders.

Every place I have tried it, and entered my password incorrectly I still get billed, and my stuff still ships.

That is a joke. But it's ok, because I am not liable for stuff I didn't order. But visa refused to cover the cost of shipping 3 sets of stuff back to newegg.

Thankfully, newegg is the bomb and covered it for visa.
 
Originally posted by: vtqanh

the last 4 numbers on the front are also encoded.
Click to expand...

then why do they always need to look at the card and type in the last 4 numbers? 😕
 
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