Can credit card thieves obtain your "CVC2" (card validation code) without the card?
Is it possible for credit card thieves to somehow generate a CVC2 number, or otherwise obtain the security number without having the physical card in their possesion?
Discover is refusing to cover me for fraudulent charges made to my credit card via the Internet because they claim there is no way possible for the thieves to have the CVC2 number required to make a "card not present" purchase without having the actual card. It must be possible because I did not make these charges, and they must have been made by someone that has stolen my credit card information somehow.
Does anyone have any information about this that would be helpful to me?
Answers:
Only if they have access to employees of the credit card compamnies.
http://video.google.com/videoplay?docid=...
If you use an insecure fax, telephone, or Internet to communicate it it could be intercepted.
If the fraudulent charge was made via Internet, the vender or Discover should be able to track the IP address. Have you contacted the vender? Have you cancelled the card or gotten a new one with new numbers?
people take pics of the cards maybe they took the picture from the back
the can't 'generate' the number. They MAY be able to obtain it without actually having the card. The most direct method would be to trick you into giving it to them. If you ever used the card on-line, they MAY have gotten the number from the website. If you have ever allowed the card out of your sight, someone could have copied the number. In short, anyone that ever touched your card COULD steal the number.
From what I understand.yes. I hear there are electronic ways to do so..but from my experience any person or transaction that asks for that number could easily be gotten by anyone. I don't care if it's hacking.supposid safety measures in your computer...or someone who has access to those numbers giving it or selling it. When there is no real safety with the internet and no values worldwide.anything is up for grabs these days.
ACTUALLY ITS EASY--WHENEVER YOU USE THE CARD IN A FACE TO FACE TRANSACTION, THE PERSON YOU HAND IT TO CAN JUST NOTE DOWN THE CVC..HOWEVER WHEN YOU CONTACT THE CREDIT CARD CO AGAIN FIND OUT WHAT WAS PURCHASED AND FROM WHOM---THAN CONTACT THE SELLER AND FIND OUT WHERE THE ITEMS WERE SENT. THIS MIGHT ASSIST YOUR CASE...
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