Seeing the lo013 error when trying to make payments or access your Chase Bank account can be really frustrating. This decline code indicates there is an issue with the security code you entered along with other card details. Specifically, the Chase card error code lo013 means the CVV or CVV2 code provided is either incorrect or missing, preventing the system from being able to authorize the transaction or log you in.
But don’t stress – this is usually an easy mistake to identify and fix on your end so you can successfully use your Chase card online or on mobile.
What Exactly Does the Chase card error lo013 Mean?
The lo013 error code is a decline message from Chase Bank that means the security code you entered is invalid or blank. This code is sometimes also shown as CVV2 error code lo013.
Some specifics on the Chase card error lo013:
- It indicates the CVV or CVV2 code provided does not match or is missing.
- This results when the code is entered incorrectly or not inputted at all.
- The error is triggered when systems cannot verify identity without the correct security code.
- It is not related to other card details like number, expiration date, or billing address.
- Just the 3-4 digit CVV/CVV2 code itself is inaccurate in some way.
Essentially, lo013 signifies Chase needs you to double check the security code and enter it correctly to proceed.
Common Causes of the Chase lo013 Error
There are a few common reasons you may be seeing the lo013 security code error when trying to use your Chase card:
- Typos – Easily entering an incorrect CVV/CVV2 number sequence by mistake.
- New card – Getting a new card and forgetting the updated CVV code.
- Multiple cards – Having several card CVV codes and mixing them up.
- Autofill issues – Saved code is wrong or browser doesn’t auto-populate the field.
- Small print – Hard-to-read imprinted CVV2 on the physical card.
- Covered code – Card sticker with CVV info has fallen off or peeled up.
- Expired card – Forgetting CVV changes when you get a renewed card.
How to Fix the Chase Security Code Error Lo013
When the lo013 code appears after entering your Chase card info, follow these troubleshooting steps:
- Double check CVV – Carefully re-examine the 3 or 4-digit code imprinted on your physical card to confirm the number entered.
- Re-enter – Delete what was inputted and slowly retype the CVV/CVV2 directly from your card again without guessing.
- Try another card – If you have multiple Chase cards, attempt to input a different card’s CVV code instead.
- Call the bank – Contact Chase at 1-800-935-9935 to verify the correct current CVV on an account.
- Use alternative – Try processing the transaction through a different channel like the Chase Mobile App or in-person.
- Request replacement – Order a complimentary replacement card if your code is worn/illegible.
- Check autofill – Ensure your CVV/CVV2 is saved properly in your browser and forms are auto-populating the field.
With the correct CVV/CVV2 code entered, the lo013 error should resolve allowing your transactions to be approved.
Tips to Avoid the Chase Bank Error Lo013 Going Forward
To help prevent running into this issue repeatedly, make sure to:
- Store securely – Note the CVV somewhere safe when you receive a new card.
- Use mobile wallet – Adding your card to Apple/Google Pay provides access without needing the physical code.
- Cover stickers – Keep stickers with CVV info securely adhered to your card if applicable.
- Photocopy – Make a photocopy of the front and back of your card(s) to reference later if needed.
- Check routinely – Periodically examine your card(s) to ensure the code imprint is still clearly legible.
- Update autofill – Save your new CVV/CVV2 if you receive a replacement card or renewal.
- Avoid guessing – Take time to closely verify the code instead of trying to hastily guess the number.
With some diligence, the lo013 error can be prevented going forward so you can conveniently use your Chase card online and anywhere contactless payments are accepted.
Frequently Asked Questions
Why do I need a CVV/CVV2 code for online transactions?
This 3-4 digit code provides an additional layer of identity verification along with your card number and expiration date for improved security.
Where can I find the CVV on my Chase card?
It is a 3-digit imprinted code on the signature panel on the back of Visa/Mastercards. Amex cards have a 4-digit CVV2 on the card front.
What if my card’s CVV is worn off?
Contact Chase for a free replacement card if the imprinted CVV code is no longer legible.
Do I need to update the CVV for automatic bill payments?
Yes, if you get a new Chase card you’ll need to update the CVV stored for any recurring payments and subscriptions.
Can the Chase error lo013 appear even with the right CVV?
It’s unlikely but possible the code inputted is correct yet Chase systems misread it. Trying again usually resolves it.
How do I use my card safely without the CVV for online purchases?
Adding your card to digital wallets like Apple Pay provides a way to make contactless purchases without manually entering the code.
Let me know if you need any clarification or have additional questions!
