How to Tell What Credit Card Type by Number
In today’s digital age, credit cards have become an integral part of our financial lives. With various types of credit cards available, it can be challenging to identify the specific type of credit card just by looking at its number. However, with a few simple steps, you can determine the type of credit card by its number. This article will guide you through the process, helping you to quickly identify the credit card type by its number.
Understanding Credit Card Numbers
Credit card numbers are unique identifiers assigned to each card. They typically consist of 16 digits and follow a specific numbering scheme. The first few digits of a credit card number can provide valuable information about the card type. Let’s explore the different numbering systems used by major credit card issuers.
Visa
Visa credit cards start with the number “4.” The next nine digits are the individual account number, and the final six digits are the check digit. For example, a Visa card number might look like this: 4123456789012345. This format is consistent across all Visa cards.
MasterCard
MasterCard credit cards also begin with the number “4,” but they can also start with “5” or “2.” The first six digits of the account number are the issuer identification number (IIN), followed by the individual account number and the check digit. An example of a MasterCard number is: 5100123456789012.
American Express
American Express cards are unique in that they have 15 digits. They start with “34” or “37” for personal cards and “38” or “39” for corporate cards. The first six digits are the IIN, followed by the individual account number and the check digit. An example of an American Express card number is: 371234567890123.
Discover
Discover credit cards start with the number “6011” or “65.” The first six digits are the IIN, followed by the individual account number and the check digit. An example of a Discover card number is: 6011123456789012.
Discovering the Card Type
To determine the type of credit card by its number, follow these steps:
1. Look at the first few digits of the card number.
2. Compare them with the known numbering schemes for each credit card type.
3. Identify the card type based on the matching digits.
By following these steps, you can quickly and easily determine the type of credit card by its number. This knowledge can be particularly useful when you receive a new card or when dealing with credit card transactions. Knowing the card type can help you understand the card’s features, benefits, and limitations.
