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I am one of the unlucky guys, who don't have the physical card
I guess my question is: is there any websites that don't need CVV number or accept "000"
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Outside of pokerstars, no. Your account is almost worthless. You should be able to deposit on your card, then transfer your money to stars. Then you'll have to withdrawl by check from stars. (make sure you play some first of course). No other buisness will take the card without the correct CVV number.