Removing CV2 number from credit card

Hi,
It's occurred to me that by memorising then removing the CV2 number
from the back of my credit card I can thwart unauthorised "card not
present" transactions.
Anyone finding my card or copying the details when taking payment in a
restaurant wouldn't have the required information to use the card
on-line but I can still make the transaction by providing a pin
number.
Can anyone see a flaw in my plan? It's not foolproof but would
provide some extra protection for free no?
TIA
Reply to
root
It's a good plan...............it's always puzzled me why banks don't send the CV2 number separately as per the pin number.
It would make inroads into card fraud if nothing else.
Reply to
Juan Kerr
It's a good plan...............it's always puzzled me why banks don't send the CV2 number separately as per the pin number.
It would make inroads into card fraud if nothing else.
As fraudsters are able to generate genuine credit card numbers - three number CV2 would only require a short time to crack with a computer. I agree it would help you with lost or stolen cards and chancers.
Reply to
Eric Jones
I don't see why banks can't us onther methods like Nationwide are starting to use. Of course there are many other metonds ie one use card etc.
Reply to
zaax
It's a good idea and one that I've used without any problems. Be careful how hard you scratch because it has 'void' printed underneath. I've also found that even when the number is scratched off there is still an indentation and the number can still be made out.
Reply to
softnatural269393
Probably because you will have defaced the card rendering it void.
It is also quite likely that when you scratch off the number it will say "void void void" underneath!
So you won't be able to use it in a shop, and won't be able to remember the number you scratched off when phoning for stuff...
Reply to
R. Mark Clayton
I often send my girlfriend to pay for fuel using my card while I fill the car up such is the level of checking that goes on! Same with supermarket checkouts. Since Chip and Pin shop assistants hardly look at the card anymore. But just to be sure I'll not scratch the number off but cover it up so it can't be read.
Remembering the three digit number won't be a problem.
Reply to
root
True; I filled my car up in a somewhat salubrious area of the city about a week ago (the sort of place where the forecourt assistant sits behind what appears to be bullet proof glass).
As I approached him with my card in my hand, I merely said "pump no 3" at which he simply pointed at the chip & pin terminal on the counter told me to insert the card.............he never got to within 3 feet of my card and it could have belonged to anyone.
Reply to
Juan Kerr
IIRC there was advice from the banks a while back, that you should not give your card to the cashier for a C&P transaction. The terminal should be accessible to the customer who inserts the card *themselves*.
This was to stop cashiers "swiping" the card on a separate terminal, to help them clone them ...
Reply to
Jethro
At 17:43:16 on 25/12/2007, Eric Jones delighted uk.finance by announcing:
"Genuine" numbers are easy to generate; using them is another matter if the transaction is processed online. Guessing the correct CV2 from close to 1000 possibilities will be more difficult, especially if a switched-on card issuer calls the cardholder after a few attempts to find out what's going on.
Reply to
Alex
At 22:25:18 on 25/12/2007, R. Mark Clayton delighted uk.finance by announcing:
You don't use it in a shop. CV2 is intended for CNP transactions.
Reply to
Alex
But sometimes they make a note of it, at least in some hotels and hire car places. Some cases they photocopy both sides of the card and get you to sign the photocopy. Other places take a card imprint and manually write down the # on the imprinted voucher.
- Hide quoted text -
Reply to
whitely525
I always have my partners card with me but the other day at lakeside in a Jewlers after they took the payment the saw it was not my name on the card and refunded it, bit of a pisser really but most times its ok, Some placed have the card machines for staff use other places its just for the customer. I wiped teh numbers off the cards too and it does not say Void on any of them.
Also a lot of places ask for the CV2 number but some of them have no use for it. I have been to places where they dont have to type it so why do they ask for it. Sometimes I just give them any number just because I know damn well they dont need it
Reply to
Essex Laptops - Andy Usher
On Thu, 27 Dec 2007 07:41:03 -0800 (PST), snipped-for-privacy@yahoo.co.uk wrote:
Which is another good reason why I want to remove the CVV2 number.
I have no intention of doing business with a company that thinks that such techniques are acceptable and if my idea stops such misuse then so much the better.
Is it legal for companies to do this?
Reply to
root
If ANY place where you are present asks for it, you should report them to the police immediately, and refuse to do business with them.
That number is intended ONLY for verification of cardholder not present transactions.
Reply to
Alex Heney
A quick straw poll in my office suggests this fact should be wider publicised then ... funny, having done a lot of 3D secure work recently I just assumed everyone knew ...
Reply to
Jethro

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