The Card Verification Value number or CVV number is also called the CVV2, CSC, or card security code. This is a 3 or 4-digit security code that you will find on your credit or debit card. However, the CVV number is different from your credit card number or PIN.
Getting the CVV number
A hacker uses many techniques to obtain people’s CVV or credit card numbers. Among them, some popular ones are here.
A phishing email is a fraudulent message that hackers use to hack people. Here, a person is provided with a link where he is required to click as well as put his private data. Most often, these emails look pretty official, and people assume them to have come from their banks. At times, it seems that an online store has sent them from where they have bought products recently. As all these messages look real and legitimate, people begin to rely on them easily. They click on them and get to their site, from where hackers extract their information.
Skimming credit cards is an offline process of getting a person’s credit card information. In skimming, the hackers use credit card readers available at a gas station, ATM, or other places. And then they utilize a skimming device. As a person puts in his credit card, the skimming device begins to do its job. It conveys his credit card info. A few kinds of skimming are shoulder surfing and RFID skimming. In shoulder surfing, someone peers over the shoulder of a person when he makes a payment as well as records his information that includes CVV and PIN. On the other hand, in RFID, perpetrators use radiofrequency identification technology for intercepting transactions.
Spyware and malware
Both spyware and malware are viewed as common ways in which a hacker accesses a person’s credit card information. These processes of hacking share many similarities to phishing, as here, too, a person receives an email that accompanies a link. And when people click on it, they end up downloading the malware right into their device. A few malware can make modifications to people’s system settings too on their smartphones and computers. This way, hackers gain access to their account information.
Breaches of data
It is not uncommon for people to hear about data breaches. Most often, high-profile companies target these breaches as they have access to lots of user data. And it results in leaked information about credit cards. The most surprising thing is online banking systems, social media networks, and big online stores too become targets of data breaches.
Lost credit cards or stolen wallets
At times, hackers get access to people’s credit card information by finding their credit cards. A few common places where they might find credit cards are checkout counters, public bathrooms, restaurant tables, and fitting rooms. Hence, if you discover that you have lost your credit card or wallet, you need to call your CC provider or bank and hold your card until you get it back.
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