I am lil scared of using my credit card when buying something coz
when i give it to the retailer while billing he may note down my credit card number n stuff.
Does the retailer need to see the number at the front of my card and the ccv num at the back of my card for entering it in the swiping machine? or does he jus swipes it and gives it to me back? If he jus swipes it and gives it to me back, I thought of hiding the 3 digit(ccv number) at the back of the card with a tiny sticker.. which will give me some protection.. He cannot see the ccv num and he cannot use it for buying something in the internet..Is that wright??
2007-03-26 06:30:36 · 8 answers · asked by Arun S 1 in Business & Finance ➔ Other - Business & Finance
Covering up the ccv number is not a bad idea, but i assure you he does not need to see it. Also, keep in mind that if he were to remember all 16 numbers of the credit card and remember the 3 digit ccv, he would still need your accurate address, full name, date of birth, zip code and all that other stuff to buy anything online. You're ok, don't worry about it. If anything, i would be more worried about buying things with it online than in a store.
2007-03-26 06:36:05 · answer #1 · answered by Anonymous · 0⤊ 0⤋
If you go to a retailer, they swipe the card, and often must enter the last 4 digits of the acct. number not the 3 digit code on the back. Covering the code is not a big deal, but you can do so if you want for some added security.
Vendors have to much going on, to copy your entire account number, name etc to use your card, and if you end up with transactions you do not believe are yours, just call the bank and dispute the,.
In 20 years of using credit cards, I have never had this happen to me. The worst I ever got was a double charge for dinner instead of the tip amount. I simply called the bank, and they adjusted the sale to the correct amount, that was it.
2007-03-26 06:37:17 · answer #2 · answered by Jen 5 · 1⤊ 0⤋
Most places have swipe-it-yourself credit card readers these days -- in which case, you can just keep your thumb over some of the numbers.
Even if you have to hand the card over, your more likely to get your # stolen from the guy with the phone standing behind you than the cashier (guy with the phone uses the nifty picture feature to snap a photo of your card). You can scratch off the cvv #, but not every online retailer requires one.
Most credit card companies let you check your activity online -- if you're worried you can keep an eye on that to find fraud immediately. Often you have 0 liability for fraudulent charges. (It's still a pain to switch everything to a new card -- but it could be worse)
2007-03-26 06:38:27 · answer #3 · answered by chrissy_lyn_99 2 · 0⤊ 0⤋
All the info he's using is encoded on the magnetic strip. If he's manually processing the card (using the carbon paper and roller) they there is a copy of everything he needs.
I don't know if CVV is needed for manual transactions. Usually it's just a carbon copy of the card. The Account Number, CVV, expiration date and billing address are needed for electronic transactions, but even some of that can be ignored by the service.
If you are watching the clerk swipe the card, you SHOULD be able to tell if he's copying it down or trying to memorize it. Once it's swiped tho, he won't have access to the number, unless he's swiping it into some homemade card reader.
At the very least, you should have fraud protection in the case of unauthorized purchases.
2007-03-26 06:36:20 · answer #4 · answered by Anonymous · 0⤊ 1⤋
The card should only be a "swipe and go"
They should NEVER have to write down your number, especially the ccv number.
2007-03-26 06:39:48 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You're being TOO paranoid. There aren't many people in the world who could memorize your numbers just by glancing at the card while they run it through the machine.
Stick to places that have the credit swiping machine on the customer side of the counter and the cashier never has your card.
2007-03-26 06:35:27 · answer #6 · answered by Nasubi 7 · 0⤊ 1⤋
You shouldnt be so worried about your credit card information like that. Most credit cards are secure and if you see any unusual charges all you have to do is contact your credit card company dispute the charges and get a new card if your info was stolen, however if your shopping at a store most cards need to be swiped and if your shopping online most places verify your billing address.
2007-03-26 06:36:13 · answer #7 · answered by princesskamby 2 · 0⤊ 1⤋
If you're going to be that insecure about using a credit card, then maybe you should save yourself the ulcer and just use cash instead.
2007-03-26 06:34:34 · answer #8 · answered by Greg O 3 · 0⤊ 1⤋