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All credit cards, debit cards and such should have the appropriate security check data request come up - CVV or otherwise.
If it's not doing now, then that's a matter for your bank to address. Talk to them about getting a better card that offers this, I guess.
That's about the the best guess of an answer I can give from what I get from your post.
3D-secure is more just the existing “verified by visa” thing where if a site has it enabled, it functionally just forwards your banking institution to log in and verify your card
Note that basically your bank is deprecating virtual credit cards. But your card still has to support the old CVV method since not all sites support “verified by visa”
In reality you’ll just be asked for your CVV Code to do internet transactions and will have to use your existing card number to do so. Nothing really changes on your end. You can still make purchases anywhere including steam.
It still works really, a lot of banks are deprecating virtual credit cards. honestly though its just a scam by Visa to have merchants use "Verifeid by Visa" which nest them even more money per-transaction in the name of 'security'.
alternative (and worth to try lol): CIMB Niaga or Jenius