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ANSWER:These are there for security purposes to keep people from making up valid numbers and then trying to pass it off as their own. Just like people can make a computerized phone dialer and start at 000-000-001 and call every number till 999-999-9999, The same can happen for someone trying to steal identities. There are 9999999999999999 different number combinations on a credit card. If you don't have that 3 digit or charachter code, then basically that number is useless to you. That's why its there.
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