What can I do if I forgot my CVV?

Forgot Your CVV? Here’s What to Do

The Card Verification Value (CVV), also known as the Card Security Code (CSC), is a three- or four-digit security feature printed on the back of credit and debit cards. It helps merchants verify that you are the legitimate cardholder during online transactions.

If you have forgotten your CVV, it’s important to act promptly to prevent unauthorized use of your card. Here are the steps you should take:

1. Contact Your Card Issuer Immediately

The first step is to contact the issuer of your card, such as your bank or credit union. They have access to your account information and can provide the CVV to you.

2. Verify Your Identity

To protect against fraud, the card issuer will need to verify your identity before releasing the CVV. They may ask for personal information such as your name, address, and social security number.

3. Method of Retrieval

Once your identity is verified, the card issuer will provide the CVV to you. They may deliver it through:

• Phone Call: The CVV will be read out to you over the phone.
• Secure Message: The CVV may be sent to you via a secure message, such as text message or email.
• Online Banking: You may be able to retrieve the CVV by logging into your online banking account.

4. Alternative Payment Options

If you cannot obtain your CVV immediately, some merchants may offer alternative payment options. These may include:

• Temporary CVV: The card issuer may provide a temporary CVV that you can use for a limited time.
• One-time PIN: You may be able to generate a one-time PIN from your mobile banking app or online account.

Remember:

• Never share your CVV with anyone over the phone, email, or text message.
• If you suspect fraudulent activity on your account, contact your card issuer immediately.
• Regularly monitor your credit reports and bank statements for unauthorized charges.