How to Find the Security Code on Your Credit Card
Effortlessly locate your credit card's vital security code. Understand its purpose and ensure secure transactions for all your online needs.
A credit card security code protects cardholders from unauthorized transactions. This unique number is primarily used for card-not-present transactions, such as online or phone purchases. Its main purpose is to verify the legitimate cardholder. The code is a series of numbers printed on the card, distinct from the embossed main card number. It ensures the user has physical possession of the card.
Understanding the Security Code
The security code on your credit card has several names, depending on the card network. Visa calls it a Card Verification Value (CVV), Mastercard uses Card Validation Code (CVC), and American Express and Discover use Card Identification Number (CID). Despite different names, their function remains the same: to authenticate transactions where the card is not physically swiped.
Most Visa, Mastercard, and Discover cards feature a three-digit security code. American Express cards typically have a four-digit security code. This code is always printed on the card, rather than being embossed like the primary card number. This design choice prevents the code from being easily replicated through methods like carbon copies or old-fashioned imprinter machines.
Locating the Security Code on Your Card
Finding the security code on your credit card depends on the card network. For Visa, Mastercard, and Discover cards, the security code is typically a three-digit number located on the back of the card. You will usually find it in or near the signature strip. It is often positioned to the right of the signature panel or sometimes follows a partial or full credit card number.
Flip your card over to find this distinct three-digit number. It will be printed flat on the card surface, unlike the raised numbers of your main card account. This placement makes it easy to spot and differentiate from other card details.
For American Express cards, the security code is a four-digit number found on the front of the card. This code is typically printed above the main credit card number, often positioned on the right side of the card. When looking at the front of your American Express card, you should see this four-digit code clearly printed, separate from the embossed card number. Regardless of its position, the code is always a printed number, ensuring it cannot be read by devices that only capture embossed information.
Handling Missing or Damaged Codes
If your credit card’s security code is faded, worn, or unreadable, contact your card issuer. Financial institutions advise requesting a replacement card if the security code is no longer visible. The security code cannot be provided over the phone without a new card, as it is a physical security feature.
When a replacement card is issued due to damage, it often comes with a new security code and sometimes a new expiration date. Card issuers do not charge a fee for replacing a damaged card. For virtual card numbers used in digital wallets or online, the security code might be dynamically generated or accessed directly within the specific app or platform. Consult the respective application for details.
If your credit card is lost or stolen, report the incident to your card issuer immediately. They will cancel the compromised card and issue a new one, which will include a new security code. Security codes are not stored online by merchants after a transaction, nor are they printed on monthly statements.