What Is CW in a Debit Card?

Credit cards (shallow DoF) image by Andrejs Pidjass from Fotolia.com

People sometimes confuse the two Vs in CVV as W and call it CW. Thus, CW is in actuality CVV, and it is a number used on debit and credit cards to combat fraud.

Full Form of CVV

CVV stands for Credit Card Verification Value. This three-digit number is embossed on the back of the credit card and the debit card, just above the signature box.

Importance of CVV

The CVV is used to reduce fraud risk of transactions that are made by the owner when he is not present at the venue where the transaction is being made. This additional security measure has been initiated to ensure care of online transactions, mail orders and telephone orders. The number helps validate a genuine card is being used during a transaction.


If you are the victim of phishing (when someone steals your credit card information), he will also have access to your CVV, which means unauthorised charges can still occur.

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