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Yes, it’s generally safe to give your Social Security number (SSN) over the phone, when you initiate the call to the credit card customer service. An SSN is used to verify your identity as the customer service agents might need to discuss sensitive information regarding your credit cards. But you should still take precautions to ensure the security of your information.
Precautions to Follow Before Giving Out Your SSN
- Dial the official customer service number: Use the phone number listed on the back of your credit card or on the official website of the credit card issuer. This ensures that you're calling the correct customer service department.
- Verify the identity of the representative: When you reach a customer service representative, ask for their name and employee ID, if applicable. This allows you to verify their identity if needed.
- Be mindful of your surroundings: Make sure you're in a private and secure location when giving sensitive information over the phone to prevent eavesdropping.
- Monitor your accounts: Regularly review your credit card statements and monitor your credit report for any suspicious activity that could indicate identity theft or fraud.
By following these precautions, you can reduce the risk of identity theft or fraud when providing your SSN over the phone to credit card customer service representatives.
This answer was last updated on 05/14/24 and it was first published on 02/20/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
People also ask
Why do you need my Social Security number for a simple deposit into my daughter's account?
Typically, banks and credit unions are required to ask your Social Security Number when you deposit amounts larger than $10,000. Unfortunately, this information is not made available on the credit union’s website. Please call customer service at 602-433-7000 for more details.
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What are the best business credit cards that I can get without a Social Security Number?
The best business credit card you can get without a Social Security number is the Capital One Spark 2% Cash Plus* Card because you can apply with an Individual Taxpayer Identification Number (ITIN) instead. Cardholders also earn 2 - 5% cash back on purchases, plus a bonus of $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year.
Best Business Credit Cards to Get Without a Social Security Number
Capital One Spark 2% Cash Plus*
Initial Bonus: $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year
Ongoing Rewards: 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 2% cash back on all other purchases
Annual Fee: $150
Minimum Credit Required: Excellent
Ink Business Premier® Credit Card
Initial Bonus: $1,000 for spending $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases
Annual Fee: $195
Minimum Credit Required: Good
Ink Business Preferred® Credit Card
Initial Bonus: 90,000 points for spending $8,000 in the first 3 months
Ongoing Rewards: 3 points per $1 on the first $150,000 spent per year on travel and select business expenses, and 1 point per $1 on all other purchases
Annual Fee: $95
Minimum Credit Required: Good
Wells Fargo Signify Business Cash℠ Card
Initial Bonus: $500 cash rewards after spending $5,000 in the first 3 months
Ongoing Rewards: 2% cash rewards
Annual Fee: $0
Minimum Credit Required: Excellent
Capital One Spark Miles for Business
Initial Bonus: 50,000 miles for spending $4,500 in the first 3 months
Ongoing Rewards: 5 miles per $1 spent on hotels, vacation rentals and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 13/31/25, as well as 2 miles per $1 on all other purchases
Annual Fee: $0 intro for 1st yr, $95 after
Minimum Credit Required: Good
Capital One Venture X for Business*
Initial Bonus: 150,000 miles for spending $30,000 in the first 3 months
Ongoing Rewards: 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights booked through Capital One Travel, and 2 miles per $1 on all other purchases
Annual Fee: $395
Minimum Credit Required: Excellent
Although you can get business credit cards without a Social Security number, it’s not easy and will limit your options....
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Is a security code the same as a CVV?
A security code is the same thing as a CVV, or card verification value. A CVV, also known as a card security code (CSC) or card identification number (CID), among other names, is a 3-digit or 4-digit number used to help prevent fraud.
Visa, Mastercard and Discover cards all assign 3-digit security codes, which typically appear on the back of the card, next to the signature panel. American Express credit cards have a 4-digit...
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