Originally Posted by XNine
Uh, no, no, and more no. If a card expires, not only does the Expiration date change, but so does the CIV number. Without the CIV it's practically useless, and multiple attempts at trying the date would alert the CC company and lock it.
Man oh man are there lots of misconceptions of the security code found on the back of a Credit Card. First off, only some online
stores require it. Secondly, some stores ask for it but never actually verify it, which gives the illusion of security without having to pay for a security code checking license. Third, all that is needed to get money off of a card is the number and expiry date. Forth, is the expiry date has ... expired, it is not hard to figure out what the new one will be, it differs from country to country, but general add 2~ years to the current one, a little guess & check around that area is needed. And finally, Americans think that all the security that goes in to their Credit Cards is maintained world wide. It is not. As I said, people can make $10,000 purchases with your CC number and Date, they do not even need to know your name or signature. A lot of people around the world do not care if they get ripped off for a $10,000 purchase by someone using a stolen credit card, because it will be turned into a claim and the bank or insurer will pay it off anyway. So when Shady McCriminal walks in to my store with what I am 95% to be a stolen credit card, I am going to play dumb and sell him as much as I can. It is a free pay day for the both of us!