When a website asks me to use one of these, and I don't want to, how do I decline but still make the purchase? It always seems like my options are take-it-and-like-it or don't complete the transaction. Is there a third option?
I've had certain websites require VbV for purchases. I can only assume the transaction fees are lower for such transactions, or they got some kind of other deal from their merchant bank.
The worst part is the information required for the "I forgot my password" process is often not terribly hard to get hold of (date of birth, that kind of thing).
The best option at this stage is probably to have a "normal" credit card for everyday use which is specifically NOT VbV enabled, and a special VbV credit card that you keep at home for internet purchases from companies that require it. Or just don't buy from those companies.
> I've had certain websites require VbV for purchases. I can only assume the transaction fees are lower for such transactions, or they got some kind of other deal from their merchant bank.
Transaction fees are not the problem, putting a stop to consumer fraud and charge-backs are the net win for the merchant.
