The credit card three-digit code is also the password Haitao trading has a large use

The credit card three-digit code is also the password Haitao trading has a large use

The credit card three-digit code is also a password, and Haitao trading is very useful. Xiaobian introduces the details for everyone.

It is understood that the three digits after the signature on the back of the credit card is the no-card transaction password verification code, which is the verification code used by the cardholder to verify the identity when performing card-free consumption. Need to be reminded that once the cardholder leaks these three digits, it is easy to cause the card amount to be stolen. Therefore, these three digits are most useful. The online transaction relies on the credit card verification code. It is a string of 3 digits consisting of the card number, expiration date and service constraint code, and is generated by the issuing bank's encoding rules and encryption algorithms.

The use of credit cards is divided into two types: “passing card transactions” and “offline transactions”. The former is signed and authorized by the cardholder to hold a credit card in a POS (sales terminal) of a "physical store" such as a shopping mall or a supermarket, and the transaction is completed. Offline transactions are common in hotels, airline sales centers, corporate finances, etc., and through the POS system, credit card accounts and their verification codes can be used to complete transactions.

When applying for a credit card, the cardholder does not have any introductory or cautionary text on the "General Application Form for Credit Card (Personal Card)" provided by the Credit Card Center and the "General License Agreement for Credit Card (Personal Card)" attached. CVV code. The first contact of most cardholders with the CVV2 code occurs in the actual operation of network payment. In the transaction, the words “Please enter the three digits after the credit card number to verify your identity” will pop up on the screen. But not many cardholders realize that they are using another "password" and it needs protection.

It should be noted that the cardholder should remember not to hand over the card to others for use and viewing, so as to prevent the information from being recorded by the criminals and then conduct offline transactions. After receiving the credit card, it is best to cut a piece of tape to cover the last three yards, or erase the three digits to prevent the information from leaking out. If you eat and shop, don't bother to hand over the credit card to the clerk to check out the bill, to prevent the ulterior motives from taking the opportunity to get the relevant information on the credit card. When shopping online, be sure to trade on a regular website. When you need online payment, it is best not to associate a credit card, but to use a normal debit card, because the debit card must use a password to pay, so you can effectively avoid being stolen. In addition, you can also set a single online spending limit or upper limit; open SMS or WeChat reminder to reduce the risk of using the card; once the card is stolen, the cardholder should report the loss, freeze the account and replace the card.

Haitao trading has a big use

Some netizens found that when shopping on many foreign websites, instead of entering the password of the credit card, just enter the three numbers on the back of the credit card. Will this be unsafe? Different from the credit card consumption in the physical store, after the payment link, you can complete the transaction by inputting the credit card number, the credit card validity period, and the check code (that is, the “last three codes” on the signature side of the credit card). The shopping site is different and the content you need to enter is different. However, in the United States, Australia, Japan and other foreign websites, most of the transactions can be completed by entering the credit card number and the last 3 digits of the signature field on the back of the credit card.

This proves that the "last three yards" on the back of the credit card is very important. However, cardholders don't have to be afraid. When Haitao, as long as the credit card is always in their hands, don't log in to the fake website. Don't download the so-called plug-in at will, keep an eye on the bank's debit memo. In general, security is guaranteed. The bank staff suggested that cardholders should improve their protection of credit cards in their daily lives. It is best to cover the “last three yards” on the back of the credit card with opaque tape. Under normal circumstances, each credit card has a 7-digit number on the back, the first 4 digits are the last 4 digits of the card number, and the last 3 digits are called CVV2, CVC2, CID, CVN2, etc., collectively called CSC (CardSecurityCode, That is, the credit card security number) is used to verify the identity of the cardholder when the cardholder uses special transactions such as credit card TV shopping, telephone shopping, online shopping, and offline order trading.

When using a credit card, be sure to protect the "last three yards" on the back of the card. This is a password verification code for cardless transactions, and is also a verification code used by the cardholder to verify identity when performing cardless consumption. Experts remind that once the cardholder reveals these three digits, it is easy for the credit card to be stolen by criminals.

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