valid cc shop

 

How can your credit card information be accessed by others?

How your credit card information can be stolen

Here is how your credit card information get exposed

Introduction

When you are learning how to keep your credit card and your CVV safe, it is important that you also learn how that information can get to the hands of the wrong people. There are many techniques that hackers and scammers are now using to get to your fresh cvv and your credit card. Some of the most commonly used tactics are listed below

Sending phishing phone calls and emails

The first way through which your personal information can be leaked to malicious people is through sending phishing emails and phone calls. One thing that you should know and understand very well is that your credit card company will not send you any message or email asking for your credit card information. Why would they do that to start with when they are the ones who gave you the card? You should avoid emails requesting passwords, your account number, and any other information about your credit card. When you get such calls and emails, it is best to ignore them. Do not respond or else, it will end up being a trap for you.

Using malware and spyware

When you use software such as spyware and malware, it may give unauthorized people access to your data and your personal information. The software works by tracking your keystrokes and that can lead to recording your personal information. That is how you will end up losing your credit card live cvv without knowing how you did it. If you are accessing a website that is not well protected, someone can easily access its code so that the malware can be downloaded.

Using public WIFI

Another way to lose your credit card information is through using public WIFI. When your credit card is involved, you should avoid public WIFI and network at all costs. This is because public WIFI can make your personal information at risk. This is because the information that you will be sent through the network can easily be intercepted. If you are using public WIFI, you should use it for general surfing over the internet. Avoid using your credit card or using your personal information when you are in a public WIFI or network.

Installing card skimmers

If you want to put your credit card in jeopardy, you should install card skimmers. A skimming device can collect your personal information from credit cards and debit cards. When you install the card on your computer, the card reads your credit card information and sends it to an individual or even to a group of people.

 

 

Can a transaction be authorized without a CVV number?

Steps that merchants take when processing your credit card transactions

CVV and if transactions can be made without them

Introduction

CVV codes are just an added security for your credit card. They are normally used in online purchases but some merchants do not care about them. Because they are not needed for credit card processing, merchants can decide to do away with them. Some merchants avoid CVV codes for fear of reducing conversions. Although there are merchants who do not care about the CVV codes, you should never make the mistake of shopping and making purchases with such websites. For your credit card safety, a CVV number should be used.

The process that merchants take when they are processing a card-not-present transaction

The first thing that the merchant does is to capture the card information from the customer. At this point, the merchant can request the fresh cvv code or not. If they do, you will have to give them the last three digits at the back of your CVV card.

The second thing that they do is send the merchant's details to the acquiring bank. This is where the bank needs to authorize the information first before the transaction is completed. Together with the authorization request, the merchant sends a valid cvv indicator to give direction on whether the CVV code should be included or not. The request is then sent to the credit card association. The association then sends the request to the issuer.

When the card issuers receive the request, they decide whether or not they are going to approve the transaction. After they have checked all the information very well, they send their response the same way they received with a reply of whether the transaction should be completed or not.