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The back of a debit or credit card includes additional important features. Magnetic stripe : This black strip contains information about you and your card, and specialized devices known as card readers gather that information. Every time you swipe your card at a merchant, you run the magnetic stripe through a card reader to provide your payment details.
Magnetic stripes include your name, card number, expiration date, and other details. If that information is stolen whether hackers steal the data or a dishonest merchant runs your card through a card skimming device , the thief can use it to create a fake card with a magnetic stripe that matches your card.
Strong magnets can also damage them. If your stripe stops working, merchants may need to punch in your card number by hand, which they may be reluctant to do for security reasons, but you can order replacement cards with a new stripe.
Hologram : Some cards display a hologram, or a mirror-like area showing a three-dimensional image that seems to move as you change your viewing angle. Holograms are security features that help merchants identify valid cards. Holograms are difficult to fake, and technology is constantly improving. Sometimes holograms appear on the front of your card. Bank contact information : If you need to get in touch with your bank, use the contact information on the back of your card.
This is convenient and an excellent way to prevent fraud. This is especially important if you receive a call or email that might be from your bank, but might also be from a con artist. If you lose your card, contact your bank as soon as possible.
Signature panel : Your card must be signed before you can use it, so sign your name in this area. Security codes : Cards are printed with an additional code to help ensure that anybody using the card number has a legitimate, original card.
For payments online or by phone, merchants typically require more than just the card number and expiration date from the front of your card. The security code on the back creates an additional hurdle for hackers who may have stolen your card number from merchant systems or with the help of a skimmer.
On Visa, MasterCard, and Discover cards, the code is a three-digit code on the back of your card. On American Express cards, the security code is a four-digit code on the front of the card. Look above your card number on the right side of the card. Your security code, like all the other numbers on your card, is a critical piece of information. Network logos : Your card might have additional network logos on the back, often in the lower-right corner. These logos help you figure out which ATMs you can use for free.
Plus, you might pay additional fees to your bank or credit card issuer if you use out-of-network ATMs. Printable PDF. Share this page Facebook Twitter Linked-In.
Contact your ATM or debit card issuer. Report the fraudulent transaction. Write a follow up letter to confirm that you reported the problem. Keep a copy of your letter.
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