What Is a CVV Code on a Credit Card? A Detailed Guide

When you're shopping online or over the phone, you may be asked to enter your credit card's CVV code. This three- or four-digit number is an important security feature that helps to protect your card from fraud.

In this article, we'll explain what a CVV code is, where to find it on your credit card, and how it can help to keep your card safe.

What Is a CVV Code?

A CVV code is a security feature that's found on credit and debit cards. It's also sometimes referred to as a CVC or CSC code. These three- or four-digit codes are generated randomly and are unique to each card.

CVV codes help to deter fraud by giving merchants another way to verify that the person making the purchase is actually in possession of the credit or debit card. For example, if someone stole your credit card and tried to make an online purchase, they would need to know your CVV code in order to complete the transaction.

Where Is the CVV Code Located on a Credit Card?

For Visa, Mastercard, and Discover cards, the CVV code is always the last three digits of the credit card's signature strip. For American Express cards, it's the four digits that are printed above and to the right of your credit card number on the front of the card.

How Do CVV Codes Help to Prevent Fraud?

Because CVV codes are unique to each credit or debit card, they help to ensure that the person making a purchase is actually in possession of the card. This makes it more difficult for someone to commit fraud by using stolen credit or debit card information.

In addition, CVV codes are not stored in the credit card's magnetic stripe or EMV chip, so they can't be copied or duplicated. This means that even if someone is able to steal your credit card information, they would still need to have your physical card in order to use it.

What Should You Do if You're Asked for Your CVV Code?

If you're making a purchase online or over the phone, and the merchant asks for your CVV security code, you can provide it. This is a standard security measure that's used to help prevent fraud.

However, you should be aware that some scammers may try to trick you into giving them your CVV code. They may do this by claiming that they need it for security purposes or that the transaction won't go through without it.

If you're ever unsure about whether or not you should provide your CVV code, you can always call the merchant to verify that they're legitimate and that they actually need the code.

Keep Your Credit Card Safe

A CVV code can help to keep your credit card safe from fraudsters. However, it's important to remember that this is just one layer of security. You should also take steps to protect your credit card information, such as never sharing your PIN or full credit card number with anyone.

In addition, it's a good idea to regularly check your credit card statements for unauthorized charges. If you notice any suspicious activity, report it to your credit card issuer immediately.