Already know what a credit card CVV is ? Those of you who hold a credit card must know about this so that it is easy when making transactions and avoiding unwanted things.
In addition, knowing the parts listed on the credit card is also important considering that credit cards are now more widely used for practical transactions, both offline and online.
During online transactions, there is usually an order to type the CVV or CVC code as final verification. Don’t give your credit card CVV to just anyone, or don’t submit it to malicious sites. Because, later on, your credit card balance will be stolen and misused.
What is Credit Card CVV
Well, let’s discuss further, for those of you who make online transactions and use credit cards. Usually the payment system will lead to the inclusion of a number called the credit card CVV.
CVV is the last three or four digits on the back of the credit card. This series of digits is generally to the right of the owner’s signature. The function of CVV is as proof of verification in online transactions using a credit card.
Difference between Credit Card CVV and CVC
Besides CVV, there are also those who call it CVC. So what’s the difference between the two? Many ask what is the difference between a CVV and a credit card CVC. CVC or CVV are the last three digits of the number on the back of the credit card. Basically CVV or CVC credit cards are the same.
The difference between the two lies in the type of credit card. Credit cards that have the VISA logo will use the term CVV. While credit cards that have the Mastercard logo usually use the term CVC.
History and Functions of Credit Card CVV
CVC or CVV is an electronic and online payment security tool that has been set by VISA and Mastercard. CVV on credit cards bearing the Mastercard logo has been used since January 1997. Meanwhile, VISA credit cards have only used them around 2001.
Until finally, since October 2003, the use of the CVV / CVC feature has been equated with the aim of protecting customers when conducting online transactions. By using a credit card CVV or CVC, the credit card provider bank will trust online transactions more.
Even for those who use a fairly large nominal amount though. However, if the online transaction does not include CVV or CVC, it is likely that the transaction will be rejected or the system will block the credit card automatically.
The refusal is a preventive action that is deliberately carried out by the guarantor bank to avoid credit card crimes. In addition, it will also protect customers who use credit cards.
Type of CVC or Credit Card CVV
It turns out that not only credit cards use CVV and CVC. There are many other types of cards that use the CVV/CVC security code. Anything, see the reviews below:
1. VISA and Mastercard
Almost all debit or credit cards bearing the VISA or Mastercard logo will have a three-digit CVV security code. Examples are BRI ATM cards and cards from several other banks. To find out the credit card CVV, you can see a separate number from the credit card itself.
So, it’s not really that hard to figure out the code. If you are still confused, you can ask for info from the credit card maker bank officer. Credit card CVV is used to make user cards more secure from suspicious activities.
2. American Express
Other cards besides VISA and Mastercard that use CVV are American Express. The use of CVV credit cards on American Express is different from VISA and Mastercard. American Express credit cards have the code on the front.
The CVV / CVC code is located above the credit card number and is smaller in size. Another difference, if another card uses a 3 digit CVV/CVC number, on this card there is a 4 digit CVV number
The use of the CVV code is also applied to one of the digital payment tools, namely Paypal. Even though it is an online payment tool, Paypal still provides a credit card CVV feature for security.
To be able to get the CVV code on Paypal, the user must access the Paypal member dashboard. Furthermore, the user can adjust the settings according to the desired criteria.
Generally in these settings there are several choices of amounts that are applied to the merchant account that is subscribed. Things like this can also provide benefits and convenience for Paypal users.
How to Check Credit Card CVV Number
The location of the credit card CVV on each type of card can be different. Credit card users of each bank must know and understand how to check this CVV number. Check out how to check each card below.
1. How to Check BRI Credit Card CVV Number
Talking about credit cards from the BRI bank, the bank has provided a secret code found on each card. This code is known as CVV or CVC. BRI has also provided a code for each type of card.
As a smart customer, knowing the use of CVV is very important. Its use is as a verification code when making online transactions, whether using a BRI credit or debit card. When making the final purchase transaction, credit card users only need to enter the CVV code.
Not only BRI bank that provides this code, other bank cards with the VISA and Mastercard logos also do the same. The next thing you have to understand is how to check the CVV of a BRI credit card or other credit card CVV.
Generally, to find out the 3 or 4 digit CVV number on a credit card is not complicated because the code can be found easily. Usually CVV / CVC credit cards are located on the back of the card or rather are next to the card owner’s signature.
2. How to Check BCA Credit Card CVV Number
Similar to BRI bank, BCA bank also provides a secret code or CVV on every credit card. CVV is a 3-digit number on the back of the credit card. The credit card CVV of the BCA is also almost the same as the BRI credit card, which is next to the cardholder’s signature.
The use of CVV is also the same, which is used as verification when making purchases or transactions online. If there is no CVV code, the transaction may be rejected. Credit card CVV codes are not only given by BCA banks. Other banks such as BNI, Mandiri and others also provide this CVV code.
You will only find this product on credit cards with the VISA or Mastercard logo. Visa or Mastercard credit card numbers must have 3 or 4 different digits. So, customers don’t have to worry about its security. Instead, you need to worry if you don’t know the credit card CVV.
3. How to Check Mandiri Credit Card CVV Number
Online transactions have now become transactions that make it easier for online shopping connoisseurs. Especially for those who have a credit card. Making transactions will be easier because you only need to enter a certain code.
Using a credit card when making online transactions is a little different. Later the credit card owner will be directed to fill in the CVV code as a final verification step when making transactions using a debit/credit card.
However, some credit card holders are still confused about how to find out the credit card CVV. Even though knowing this CVV is very easy. Generally, this 3 or 4 digit code is on the back of your Mandiri ATM/credit card.
Or if you are still confused, you can see it on the side or back of the credit card owner’s signature. Maybe you already know, you just don’t understand that the code is a standalone CVV code.
Each bank has its own CVV code depending on the bank’s policy. The Mandiri CVV code, BRI or BNI Syariah CVV code, of course, are also different. This is to anticipate criminal acts that often occur on credit cards.
Tips for Using a CVV Credit Card
Most people don’t realize how secret the credit card CVV code is. Even the code should not be known by others. The following will be conveyed about safe tips using CVV. Anything, see the reviews below:
1. Don’t Save CVV Code on Your Phone
Cell phones are personal items, not infrequently many keep secret things here, including ATM PIN numbers, passwords to credit card CVVs. Even though the storage of numbers on the cellphone is very insecure. It could be that the stored data is leaked even though the phone has been locked.
If one day you lose your phone and someone else can break into the data on it, it’s certainly a high risk. The CVV code contained in it can be misused by other people who are not responsible.
2. Cover the CVV Code with Tape
Another safe tip that you can use is to cover the credit card CVV with tape so that the digit number is not visible. It may seem trivial, but this method has proven to be very helpful for maintaining the confidentiality of the CVV code.
3. Avoid Saving CVV Card Data in Applications
Not only on your cellphone, you should also avoid storing credit card CVV data in the application. The reason is, this method is also considered dangerous and can result in data theft.
The safest way is to memorize it or if you have difficulty writing it down in a note with a secret code that only you can read. A little complicated, but safer and quite helpful.
4. Don’t Fill in Random Data
Personal data is important and not just anyone should know, including data credit card CVV. When filling out any form, if there is a request to fill in the data, you should not need to fill it in.
It is feared that the data you provide when filling out the form will be misused for things that are not true. So, you should be careful in maintaining the confidentiality of credit card data or any personal data.
5. Just Swipe in EDC Machine
The next safe tip when using CVV from a credit card is to just swipe it on the EDC machine. Swiping in a special place will obviously secure the CVV code you entered. Try not to swipe it anywhere else.
Because now there are many modes of fraud committed by bad people. For example, telling you to swipe a credit card on another machine. Without you knowing it, the credit card CVV code has been stolen.
6. Avoid swiping at the cash register
It’s not just online shopping that uses credit cards a lot. Long before that, many people used credit cards as a practical means of payment when shopping at supermarkets or other places.
At the time of making this payment, usually the cashier will ask you to swipe a credit card on a special machine. This risks causing duplication of credit card data including their credit card CVV code.
7. Use Dual Security System
Another safe tip for using a credit card CVV is to use a double security system. An example is the use of a PIN for every offline credit card transaction. Using these tips can help keep your CVV code confidential.
8. Perform Blocking
You can use these tips if you feel awkward with suspicious transactions. For example, there is a confirmation pop up on your phone. You need to know that there are more and more ways for people to steal your personal data.
One of them is committing fraud through transactions that you have never done. This mode basically wants to lead you to give a credit card CVV and eventually it can be misused.
If this has happened, block it as soon as possible. Come to the bank that made the credit card. Ask the officer to block your card before it is misused further which will actually be detrimental.
9. Change Password Periodically
One of the easy tips that you can apply when transacting with a credit card is to change your password regularly. Every time you use this card, of course, you will type in a password that only you know.
The purpose of this password change is to improve online security. Passwords that are frequently changed regularly will make it difficult for hackers to steal your credit card CVV code.
10. Shop Online on Safe Websites
Shopping online is fun because it doesn’t require you to leave the house. Especially if you use a credit card. However, before shopping, make sure the place to shop is a safe and trusted website.
The goal is to keep your credit card secret code safe. Another thing you need to pay attention to is to avoid clicking suspicious email links. This can be a loophole for bad guys to get your credit card CVV code.
Well, those are some things about credit card CVV that you need to know and understand well. By understanding CVV and its ins and outs above, you can avoid all forms of fraud and online crime related to credit cards. In today’s era transactions have become easier, but also vulnerable to fraud.