|
The pin code for debit cards is stored at the processing bank. If CC #'s get stolen they only have to change the pin code rather than issue a new card. Most stolen CC's don't come from hacks.
The credit card # has a pattern that adds up and creates the cv2, zip, and some other bs to make sure the card is valid. So CC generators can take a valid card and off of this math generate 100’s of valid cc numbers with matching cv2 and zip codes.
Add a pin code that gets verified at the bank level, then generated cards and found/stolen cards won't work. Even if a family member stole it, chances are they don’t know the pin.
|