Credit card number

India
March 31, 2010 1:09am CST
Last night i was checking to a site, it asked my credit card number for 'age verificaion', i did not disclose it. Well my credit card was used for getting my paypal account verified, it asked for the the LAST THREE DIGITS ON THE REVERSE OF THE CARD, if i remember correct Is it safe to share your credit card number and/or the last 3 digits on reverse with some site on-line, i am confused, why they ask for it, can they hack your money? I am satisfied with paypal how ever. I have credit card and debit cards both of different banks, i enjoy special benefits as Senior Citizen, am allowed zero balance and home service by HDFC and Axis bank, that is wonderful... I avoid using by credit card for making purchases, unless it is absolutely essential What about you, do you use your cards frequently, will you share the number of your credit card on line to some party, what about the three digits particularly? Prof
2 people like this
18 responses
• Philippines
31 Mar 10
thats why theres paypal for business transaction online specially if its financial transaction to keep our credit card exposed. if theres as site asking for that then i should not give my 3 CID number as if i did that they can get everything from my credit card. unless you order it via phone calls, i used to work as call center agent before and we normally ask that number from our customer over the phone to closed the transaction though the call was recorder so it will be easy for you to track the location of the transaction as it will be posted in the billings.
1 person likes this
• India
31 Mar 10
Nice information my friend, thanks Prof
• Philippines
31 Mar 10
Actually even though you give them your 3 C.I.D. or C.V.V. (Card Verification Code) they can't still get everything from your card. Good example is the Visa card, when you use your visa credit card to purchase something in the internet it will ask about your personal info, the card number, and the 3 numbers or CVV but after that there is still the SOCIAL SECURITY NUMBER. If they fail to encode this then they will get nothing. But still you've better keep your card number and CVV number safe and unknown to other.
• Philippines
1 Apr 10
Hi! In my opinion, I don't think it is safe to immediately disclose any credit card information online unless you are 100% that the site is safe. Because as we know now a days we can't just trust anyone. So I could suggest you ask someone who has experience with the site and could assure you that it is secure. Aight? Keep safe. God bless yah.
1 person likes this
• India
2 Apr 10
Thanks for response, welcome my friend Prof
• Philippines
1 Apr 10
What's wrong with the credit card number?
1 person likes this
• India
9 May 10
Nothing wrong....
• Philippines
1 Apr 10
The three digits at the back of the card is the most important digits in your credit card, so make sure you just give them out if you really trust the site. Though when making purchases online, like Amazon, they only ask for the credit card number and the billing address, and that's what I really fear, cause somebody could use my credit card anytime, specially if they don't ask for the CVC number ( the three digits ).. My boyfriend has been a victim of internet fraud through credit cards, and it's not really fun to dispute all those transactions that were posted.
• India
2 Apr 10
Sorry to know your bf got cheated, thanks for response and your views Cheers Prof
31 Mar 10
The last 3 digits on the back are very important, I work in a company and we have a lot of customers credit cards saved on their files, however we are not allowed to view the entire number, just the last 4 digits (there is no way we could, the system doesnt allow us to view it anyway) and the last 3 digits on the back are never on file, this is what they will ask you for whenever you try to purchase anything with your card, its very important that before you put your credit card details on any website that you check it out, paypal is obviously well known and trusted, but make sure any other site your on is safe as well. I have heard of people using credit info as age verification but have never heard of it online, maybe it exists, maybe it doesnt. I dont know but I think you did the right thing by not doing it. I only use my cards on well known sites.
1 person likes this
• India
2 Apr 10
Thank you so much for the information my friend and welcome to my discussions Prof
@Opal26 (17694)
• United States
31 Mar 10
Hi Professor! I really don't like to use my credit card online, but I have done so to make purchases from 3 different stores and so far haven't had any problems! They are supposed to be "secure" sights! I know that I am taking a terrible chance, but I have been purchasing items online for quite a few years now! You need to know who you are dealing with before you give out all that information, especially those last 3 digits because they are very specifically proving that the card belongs to you! Someone may get a hold of your credit card number, but may not have those 3 digits on the back of the card! Those 3 numbers are like added protection! I only disclose that on the site that I am purchasing things once and they keep that information on their filing systems! They shouldn't have to ask any questions after the first time! Like I said, you need to know who you are dealing with! That's why I deal with only the same 3 stores!
1 person likes this
• India
2 Apr 10
Hi Opal it is good you use on three trusted stores only, thanks for response Prof
@sid556 (31018)
• United States
31 Mar 10
It took me a long time to give my account number even to paypal. After being assured by many many people that it is safe, I finally did. I have not had one ounce of trouble with it and I do check my statements carefully so I would no right off if someone hacked into it. I know some sites are safe but I am not comfortable shopping on-line and giving out that kind of info. I think you were smart to hesitate on giving the last 3 digits in order to verify your age. I don't understand how giving your credit card number would verify your age.
1 person likes this
• India
2 Apr 10
This is how the hackers work, thanks for response, cheers Prof
@shibham (17025)
• India
31 Mar 10
Hello, i have not ever put any number of my credit or debit card in any site bcoz i know that heckers are available in net. I dont want to lost my money anyway.
1 person likes this
• India
2 Apr 10
You have done a wise thing Shibham, thanks for response Cheers Prof
@ersmommy1 (12605)
• United States
31 Mar 10
That is why alot of people use paypal. Banking online is pretty secure. We just have to be careful about which sites we use.
1 person likes this
• India
31 Mar 10
Hello thanks for response ersmommy Cheers, God bless Prof
@tigeraunt (6331)
• Philippines
31 Mar 10
dear professor, i have read that it is also called a CVV code, a security feature for "card not present" transactions (e.g., Internet transactions), and now appears on most (but not all) major credit and debit cards. this new feature is a three- or four-digit code. it provides a cryptographic check of the information embossed on the card. the CVV code is not part of the card number itself. it says that the CVV code helps ascertain that the customer placing the order actually possesses the credit/debit card and that the card account is legitimate. the back panel of most Visa/MasterCard cards contain the full 16-digit account number, followed by the CVV/CVC code. Some banks, though, only show the last four digits of the account number followed by the code. to aid in the prevention of fraudulent credit card use, they require the 3 or 4 digit code on the back of your credit card. when you submit your credit card information your data is protected by Secure Socket Layer (SSL) technology certified by a digital certificate. http://www.sti.nasa.gov/cvv.html i think your bank can explain further as to what is the right thing to do in cases like these and for more clarification. cheers, ann
1 person likes this
• India
31 Mar 10
Hi ann dear Wonderful response with a lot of information, i have saved this for my information and guidence, thanks for the response Cheers Prof
@advokatku (4039)
• Indonesia
31 Mar 10
3 last digits of your credit card number is the key of identity your account, so ... DON'T ever PROVIDE THE LAST 3 NUMBERS TO ANYONE IN ANY FORM
1 person likes this
• India
31 Mar 10
I WILL NOT Advocate, thanks. Prof
@zandi458 (27954)
• Malaysia
31 Mar 10
I am only using debit cards now as I tend to overuse my credit limits without realizing and it goes off my monthly budget. I am not sure how safe it is to divulge the last digits of the card to paypal but so far I have not met any problems with my card when I gave the number to paypal. I don't share my card numbers to anyone.
1 person likes this
• India
31 Mar 10
Nice to know that zandi, thanks for response Prof
@redphile (2266)
• Philippines
31 Mar 10
i manage my bank accounts online but then i did not disclose my credit card information. I only used it to verify my account with paypal and that's it. Always be safe and make sure no one else but you has access to your account. Never provide the 3 digit security code because that's what you need to be able to use yours or someone else's credit card.
• India
31 Mar 10
Hello thanks for response and the details. Prof
@jpso138 (7844)
• Philippines
31 Mar 10
It was only at paypal that I have given the details of my card during the verification. I gave it considering that a friend of mine told me that paypal is a legit and secure site. Now that I have a paypal account, I use it to pay online so as not to disclose my credit card details. In fact, from what I understand, this is one of the reasons why someone would get a paypal account for payment to insure security of credit cards. So if you were able to verify your credit card, then it would be wise to pay through paypal rather than provide them with credit card details.
• India
31 Mar 10
Hello i got my paypal account verified 5 years ago, i use it for ebay purchases too Thanks for response Prof
@jpso138 (7844)
• Philippines
31 Mar 10
Well it seems that you have been with paypal for quite a time already. I really do find paypal safe and secure. I have always transacted online through paypal ever since I had my account verified. Best to you and be safe always.
@Buchi_bulla (8299)
• India
4 Apr 10
In my opinion with paypal, disclosing credit card number is ok. Even my sister also verified with paypal with credit card number. But with others, it is not safe. Try to avoid as far as possible.
• India
4 Apr 10
You are right Buchi Thanks for this response dear.. Happy easter Prof
@dorannmwin (36695)
• United States
2 Apr 10
I don't think that it is safe to disclose your credit card information on a regular basis. In fact, the majority of transactions that you will do online don't even require the information that is your security card on the back of your card. I sell Tupperware and I'm able to accept credit cards, but I don't need to have that information to process a transaction. Beyond that, even when I take credit card numbers, I always return the receipt with my customers after their orders have come in to protect them and to protect myself.
• India
3 Apr 10
Thanks for the information, welcome
31 Mar 10
There are some legitimate sites that do this but just check for any small print as a lot of them do actually have a subscription charge which comes in. I have not signed up but have seen the small print and avoided the sites like that.
• India
31 Mar 10
Thanks my friend, welcome. Prof
• Abbotsford, Wisconsin
31 Mar 10
If you are not sure if this is the actual real credit card company asking this information. Go to the banks that issued it and ask. There are many scams that look like valid credit card sites out to steal peoples information .. If you did submit the information save the stie, so if it is a faud you can report it as soon as possible.
• India
31 Mar 10
I have not disclosed my friend, thanks for response Prof