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(Making you key it in serves as an added security measure to foil a thief who doesn't know the numbers.) But it's usually unnecessary at brick-and-mortar stores, so just say no. And your ZIP code certainly shouldn't be posted on social media or other public websites.

ZIP codes change at the whim of the US Postal Service. In fact, the USPS owns ZIP codes (as far as you can actually own a number). So, with each ZIP code you get a Servicing Post Office (SPO) and multiple cities.

But experts warn that sharing your zip code could set you up to be targeted by telemarketers and junk mail. Retail analysts say that it's become the norm for retailers to ask for your zip code.

The first number, between 0-9, denotes a geographic area of the U.S. The second two numbers of a zip code specify a specific region within that geographic area and the last two are meant to indicate a specific Post Office.

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Don't provide your zip code at the register. "You go to a gas pump, the way it verifies your identity if by asking what's your zip code. If you're talking about a merchant or clerk, that's not a part of the credit card processing methodology," says Foley.

USPS's addressing information system cannot tolerate multiple identical addresses within a single ZIP code. Once a letter is processed through the barcode sorter, all the address information is translated into a single barcode that is sprayed below the address.