Credit Card Forum
  1. #1
    Centurion Member
    Join Date
    Oct 2011
    Location
    UK
    Posts
    222

    Default Amex 3 digit security code?

    Out of interest, I have a 4 digit security code on the front of my Amex like all of them, but on the back I have a 3 digit code as well. What is this used for?
    Amex UK Platinum Charge Card
    Amex Blue Cash USA
    Amex US Gold Corporate Card
    World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Gold Member
    Join Date
    Aug 2011
    Location
    Sarasota, FL
    Posts
    43

    Default

    Sometimes customer service asks you for it.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Centurion Member
    Join Date
    Jul 2012
    Location
    Hawaii
    Posts
    491

    Default

    Yeah so far the only one who has asked me for the 3 digit on the back is Amex themselves. Everyone else asks for the 4 on the front
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Green Member
    Join Date
    Aug 2012
    Location
    OC-CA
    Posts
    7

    Default

    Quote Originally Posted by jlam572 View Post
    Yeah so far the only one who has asked me for the 3 digit on the back is Amex themselves. Everyone else asks for the 4 on the front
    Ok, this is kind of weird. I was trying to use my Delta Amex to pay for my Verizon phone account. It just would not go through! I have 2 Amex Charge (Plat and zync) and always use the 4 digit on the front. Finally, I called Verizon and it still wouldn't go through. Out of desperation, I gave them the 3 digit on the back of the card. BINGO! Anyone else have that experience? I've been using amex for 10+ years and always use the front 4 for CCV.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Centurion Member
    Join Date
    Mar 2012
    Location
    Atlanta, GA
    Posts
    107

    Default

    They're 2 different security codes for cards. Amex has 2 levels of security: they have the normal CVV (Card Verification Value) and the 3 digits are a CID . CVV is a calculated highly secure 4 digit code based on your card number that is not contained in the card magnetic strip, which is the reason why it's printed on the card itself.

    If someone were to take your magnetic strip or print your card. It would not contain your CVV or CID, so it could not be used for card not present transactions or most high-end merchants, which require CVV, CVV2, or CID as a form of further verification that the card is indeed there.

    CID (Card Identification Data) on the back of the card is similar to Visa/MC/Discover. It's a 3 digit number that again is not stored on the card magnetic strip and is not visible on the front of the card, but again ensures that the card is in your possession at that the numbers have been not tampered with.

    CVV and CID verification process of card numbers is not published or available for many, many reasons, so I have no idea how they verify your card number, but they do somehow.

    To get to your question why does Amex ask for those 3 digits?
    Because they can.

    They require most merchants these days to verify the CVV before processing payment, but for their measures of security they verify the CVV and CID. I think most of us who have had the card for many years memorize the CVV, but I couldn't for the life of me memorize the CID, so that could be the reason to.
    American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
    Barclaycard '11: Apple Financing Card 2.5k
    Citi: Diamond Rewards 1.5k
    Chase: Freedom 500
    Discover '12: Discover IT 1.5k
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Centurion Member
    Join Date
    Apr 2009
    Location
    Texas
    Posts
    879

    Default

    This is very interesting and timely for me. When I tried to pay the fee for my Global Entry Trusted Traveler application online last week with my Amex card, the four-digit code on the front would not work. After multiple attempts I gave up and used a Visa card. I wish I had known to try the three-digit code. Using the Visa instead of the Amex cost me $1 in cashback!
    American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
    US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
    FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
    Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

    *All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.