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Is there a certain formula that the bank uses when changing the CVV (Card Verification Value), on a credit card. If I am trying to keep credit cards on file and they expire I know there is a form that where the CVV can be changed?
No, You can't change CVV at anytime. It is embedded within black strip which resides on back side of the card.
Each credit card has an expiration time, after which, you'll get a new credit card, with a different CVV altogether.