poppet86

Hi all,

I am going to use a MasterCard Credit Card, they ask for the long card number and expiry date. It is a UK credit card. I have a bit of a silly question, how will they take this payment when it doesn't ask for the three digit security number on the back?

Noorah101

Not all places ask for the 3 digit security number. The card can still be charged.

Rene

Pulaski

It isn't always necessary - I often use my credit card on line, but I am not always asked for the security number. The number protects the merchant from accepting a fraudulent payment and then having the payment clawed back by the credit card bank. So if there are adequate other safeguards there is no need for the number and in the case of a visa application they have done more work to verify your identity than even a bank would, so the number really isn't necessary.

poppet86

Thanks for your reply guys, also I was wondering one of the items you have to enclose in the I130 package is evidence/record of name change. My name was only changed by marriage. Do I only need to provide my marriage certificate or my old USA passport with my old name on it? Also photo copied my husband's passport photo, my UK entry stamp/ILR and my Valid US Passport. Photocopies of these are acceptable aren't they?

Pulaski

Your marriage certificate is all you need.

tom169

Regarding the credit card: Pulaski and Rene are right. It all depends on the level of risk the merchant is willing to accept.

My previous company turned off requiring a CVV. The money lost in chargebacks was less than the value of customers stopping transactions at the CVV stage. Back then it was all about impulse purchasing.

Pulaski

An increasing number of merchants in the US accept card payments without even a signature, certainly upto $20-$25, and often higher if you have already "logged in" to their loyalty program either by membership card or phone number. Some merchants also seem to track the credit card you use, so if you are already a frequent customer (using that card) the chances of this new transaction being fraudulent is relatively small. That's an interesting analysis, but totally makes commercial sense.

Twinkle0927

Those contactless cards frighten me. I refused to have one in the U.K. because I didn't want to end up paying for someone's shopping just by walking past a till. And don't get me started on paying by Apple Watch. I'm sure if I had one of those I'd be spending a hundred dollars every time someone asked me the time.

tom169

Contactless cards only work at a couple inch. Even then you usually have to hold it on for a few seconds.

The same is pretty much true for phones / watches.

I'm not sure how close you walk to tills when other people are checking out.

Noorah101

Questions regarding the I-130 and immigration forms should be posted in our marriage-based visa forum, please.

Thank you,
Rene
Moderator