Holographs: These come standard on most credit cards, and are unique to the card network.Chip cards (EMV cards): Unlike cards with only magnetic stripes, chip cards encrypt information at each transaction, making fraud much more difficult.It’s also known as a CVV - “card verification value.” Security code: This three-digit code on the back of the credit card (or, for American Express, four-digit code on the front) is required for processing any “card not present” transactions.Merchants can refuse to accept cards if the signature box is empty, or if it has the words “See I.D.” Signature panel: Believe it or not, credit cards must be signed according to credit card issuer terms.The basics: All cards used by American shoppers have a signature panel, expiration date, magnetic strip, and unique account number.Nearly all credit cards come with the following security features: Read more Dealing With Fraud and Identity Theft Common Credit Card Security Features Note: We may receive a commission if you sign up for one of these services. These don’t necessarily help you prevent identity theft, but could help you find out if your identity was stolen sooner. There are some services you can subscribe to, like Identity Essentials from IdentityIQ and Identity Guard®, that are identity theft monitoring services.
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