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Guard the 3 Digit Number on Your Credit Card

Guard the 3 Digit Number on Your Credit Card - The Beacon


By: Jason

Guard the 3 Digit Number on Your Credit Card

The 3 digit pin number on the back of your credit card is considered proof that you are in possession of the card. Some retailers require the pin number to make purchases so of course it has become a target for identity theft. The latest fraud involves thieves calling claiming to be part of the security department of Visa or MasterCard.

They claim that they are trying to prevent fraud and during a very official sounding conversation they ask for the 3 digit pin from your card. Apparently they already have your card number and just need the 3 digit pin to make fraudulent purchases. ConsumersUnion a division of Consumer Reports has issued an article regarding this fraud which you can view here.

As always, you never want to give information related to your credit card over the phone unless you know who you are talking to. Even if they provide a badge number or something that sounds official, you need to call the business (using a number that you know belongs to that business) and verify what you are being told.

Remember that even if they are not asking for your credit card number, they could still be seeking information to commit fraud using your card. If you suspect that your card is being used fraudulently, contact your credit card company’s security department.

For more information you can trust, visit

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Jason was the Manager of Dispute Resolution Services with the BBB and primary handled consumer complaints. He also assisted consumers with business inquiries. He was a regular contributor to the blog.