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Credit card number

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Credit card number plays an important role in our day-to-day transactions, each credit card as a series of unique credit card number.

Credit card numbers are assigned following a standardized system adopted by all major credit card companies. The first digit designates the type of the card; it comes in a series of 3, 4, 5 or 6. For example a ‘3’ denotes travel & entertainment- as American Express or Diners Club. A ‘4’ denotes Visa and Visa-branded debit cards, cash cards. A ‘5’ denotes MasterCard and MasterCard-branded debit cards, cash cards. A ‘6’ denotes Discover.

The second digit denotes the company name, American Express and Diners Club commonly uses it. The Diners Club cards start with ‘36’ or ‘38’ and American Express card’s with ‘34’ or ‘37’. The digits ‘3’ and ‘4’ are used by American Express to indicate business or personal card type and the currency of the cardholder’s country of origin. The digits 5 through 11 are account numbers. The digits 12 through 14 indicate the card number attached to that account. Lastly the last digit number is the check digit.

The Visa cards use digits ‘2’ through ‘6’ for the bank number. Starts with digit ‘7’ and runs through 12 or 15, indicating account number and the last digit the check digit. The group of digits may differ from card to card. Visa has no like number or digits. The MasterCard uses second digit 3 through 6 indicating the bank number, the other digits are indicative of cardholder’s account, the last digit is the check digit.

 
 
 
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