Why I can't write this
A CVV is the 3 or 4 digit code printed on a payment card. CVV listings sold in bulk come from stolen card data. Writing advice on where to buy them, what to pay, or how to avoid getting cheated would be instructions for committing card fraud.
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What US law says
18 U.S.C. 1029 covers fraud and related activity with access devices. Trafficking in stolen card numbers is a federal crime. Penalties reach 10 years for a first offense and 15 years for repeat offenses or higher loss amounts. State laws add charges.
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Card networks and issuers void fraudulent charges for cardholders. The cardholder usually pays nothing. Merchants absorb the loss plus chargeback fees. Banks spend on fraud detection and reissue cards.
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If a card was compromised
- Call the issuer using the number on the back of the card.
- Report at IdentityTheft.gov.
- File a complaint with the FBI Internet Crime Complaint Center.
- Request a new card number.
I can write about payment security, chargebacks, fraud detection, or card network rules instead. I cannot write a purchase guide for stolen card data.