Hi kids, The topic of that 3-digit code at the end of your credit card number came up here on ET a few weeks ago, and one of our members mentioned that you SHOULD NOT give this code to online merchants (or anyone else). Well, I was on the phone with my credit card issuer today (one of the larger ones) and I happened to ask the customer service representative if this 3-digit code should ever be given to an online merchant or a merchant over the phone. Her response was, "NO! IT'S LIKE GIVING AWAY YOUR SOCIAL SECURITY NUMBER!" So, in no uncertain terms, if a merchant pressures you for this number (this happened to a friend of mine when she paid her telephone bill over the phone with her credit card - and this was a Baby Bell utility who wanted this number, AND the rep got all b!tchy when she refused to give it to them), DO NOT GIVE IT TO THEM. TELL THEM TO F^CK OFF AND CALL YOUR ISSUING BANK IF THEY HAVE A PROBLEM WITH IT.