what are the first 4 digits of a visa card

After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. 4589 76. It was impossible to clearly sign my name on this card. Hello, i Need find Credit card company by using first four digits of the card no. VISA = 4XXXXX. Mine was recently upgraded to Visa Signature, but the number is still the same. The first digit is different for each card network: Visa cards – Begin with a 4 and have 13 or 16 digits; Mastercard cards – Begin with a 5 and has 16 digits; American Express cards – Begin with a 3, followed by a 4 or a 7 has 15 digits; Discover cards – Begin with a 6 and have 16 digits Just the first four won't work unless you want to try all 100 possibilities. Credit Card Type By Number . It’s known as the major industry identifier (MII). The first digit is different for each card network: Visa cards – Begin with a 4 and have 13 or 16 digits Mastercard cards – Begin with a 5 and has 16 digits American Express cards – Begin with a 3, followed by a 4 or a 7 has 15 digits For complete details of any products mentioned, visit bank or issuer website. Advertising partners do not edit or endorse our editorial content. The first digit is the type of card, 4 for Visa, 5 for Mastercard. Although all Visa cards start with the number 4, the following 5 digits indicate which bank issued the Visa card. Credit card design trends are ever-changing, but most cards share several features, including (but not limited to) the issuer name, the network, the cardholder’s name, and the card number. By these 6 digits anyone can know which institution issued the card, and what type of card it is (debit/credit, premiere or not, etc). For example, on a Discover credit card, ensure the first four digits of the credit card number are 6011. The rest of the digits are also different for each card network: This chip is an alternative method of holding the cardholder’s information, in addition to the magnetic stripe (which is on the back of the card). Today’s credit cards use a minimum of 13 digits, and some are up to 19 digits long. 2. Identify a bank card's credit company by looking at the first number. There will usually be no charge for getting a replacement card for this reason. The first six digits of the card are known as the BIN (or IIN). The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply. Learn much more about EMV, Chip-and-Signature, and Chip-and-PIN technology here ». First digit: Represents the network that produced the credit card. How many candles are on a Hanukkah menorah? However, I noticed my CSP starts with 4147 but my Freedom still starts with 4266, even though they're both Signature cards. Let’s start with the first digit. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. The digits of a card number correlate with a variety of information — the first digit identifies the credit card network, the second through sixth digits identify the financial institution, the seventh through fifteenth digits include unique identifiers related to the cardholder name and issuer, and the final digit is known as the “check digit,” which helps ensure the number was input properly. This is a security measure. As a fraud protection measure, because it acts as an additional form of card verification (which is why the date above is censored), As a way for credit card issuers to replace old cards with new cards with better security features or fresh designs, As a way for credit card issuers to remind cardholders that they own the card by sending them a new one, the magstripe is too dirty or scratched to be read, a magnet has erased the information on the magstripe. Not all cards will show this information. This is known as the Issuer Identification Number (IIN). These identify the institution that issued the card to the card holder. The first digit assigned to all Visa cards is four, and the second through sixth numbers are connected to the financial institution. The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). Take a look at the Citi® Double Cash Card – 18 month BT offer (Review), which only has the cardholder name on the front. The first number on your credit card signifies your type of card. For example, on a Discover credit card, ensure the first four digits of the credit card number are 6011. Step 3 Do you have a regular, gold or platinum card? Otherwise, it's randomized when a card is re-issued to prevent fraud. This lookup service would help, but it requires all six. Find the first six digits of the credit card number in question, whether on the card or on a credit card statement. [15] In 2011, UK domestic Maestro (formerly Switch) was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules. I'm testing the credit cards with my own credit card, beginning with 4388. First 6 Digits. When early credit cards were first issued, they had as few as eight or nine digits. The remainder of the digits are to identify which specific bank issued the card, as well as your specific account number and account type. CVV codes are a 3-digit number for Visa, Mastercard, and Discover cards, and a 4-digit number for Amex. First digit: This identifies the major industry that produced the credit card.For example, a 4, 5, or 6 in the first digit identifies banks and financial institutions; Digits 2 – 6: Along with the first digit that identifies the industry, the first six digits provide a unique identifier for a … Learn more in our Editorial Guidelines. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. It’s made of millions of tiny magnetic particles. The Discover Card was introduced by Sears in 1985. It is called the Major Industry Identifier (MII). There's the MII, the IIN, the Issuer code, the check digit, and some well known "extra codes" that tie to expiration date, issue date etc. Credit Card Insider is an independent, advertising supported website. In this case, different issuers can be identified by the second number on the credit card. So just 6 digits will give you information about the type of the card, the system, and the bank that issued the card. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. This is the credit card network and level of service associated with this card. You just need the information printed on it. American Express security codes, sometimes known as card identification numbers (CID), can be found to the upper-right of the credit card number on the front of the card. All Visa card numbers being with this number. The first 6 digits of a credit card number is known as the Bank Identification Number (BIN). The first digit of the card is known as the MII digit, and indicates the credit card's scheme. One can tell that a credit card is a VISA card if the first digit of the card number begins with a 4. The responses below are not provided or commissioned by bank advertisers. 4: Visa. This does not mean that the credit account is closed; instead, this usually only means that it’s time to get a new card. Instead of swiping the credit card through a groove, you insert a chip-enabled card into a slot on the reader, usually on the bottom, and leave the card there until you are prompted to remove it. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. This is the identifying number associated with this particular card. The first number is 4 for all visa cards. The first digit always identifies the payment system of your card. Digits 1-6 — The IIN / BIN The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Learn more about how credit card security codes here. EMV, Chip-and-Signature, and Chip-and-PIN technology here », call your card issuer to request a new card, how magnetic stripe technology was invented and put to use. What are the first four numbers of a Visa card? Mine was recently upgraded to Visa Signature, but the number is still the same. It’s usually (but not always) displayed on the front of the card, and it generally (but not always) features 15 or 16 digits. In this case, Bank of America just relies on the card name to indicate the issuing bank. Compare the first digits on a credit card number to known standards per credit card issuer. First Four Digits Of Credit Card Meaning . Step 1. These identify the institution that issued the card to the card holder. To recap, when looking at the full bank card number, the first digit identifies the card issuer’s industry, while the first six digits collectively identify the specific institution which issued the card. Also, first 6 digits for Visa and Mastercard are … 3 — American Express or Diner’s Club; 4 — Visa; 5 — Mastercard; 6 — Discover; The next five or six digits are all tied to your bank. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Content is not provided or commissioned by any credit card issuers. The date only gives the issuer a predefined end to the relationship if they choose to end it. In this case, the MII of 4 indicates that this is a Visa card. The rest of the number is allocated by the card issuer. For a MasterCard, the first digits should be 51, for Visa the number should begin with a 4, for American Express the first numbers should be 34, and for Diner’s Club the card … Credit card numbers are assigned by the American National Standards Institute and the ISO or the International Organization for Standardization. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. The first digit (4) indicates that the card is a Visa. These digits are the unique account number for the card. For example: American Express (37), Diners Club (38), and Carte Blanche (38). There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Look at the first two digits. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Step 2 Look on the Bank Identification Number database list (see Resources) for the first four digits. The seventh through 15th (or seventh through 12th) digits … These identify the card issuing institution that issued the card to the card holder. Contact us here. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). ----- Our main goal is creating educational content. How can I find the issuing bank with the first 4 digits of a credit card number? Visa's VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen. For Visa and Mastercard networks, the next 5 digits comprise the Bank Identification Number. If so, it is a Visa credit card. All Rights Reserved. It is a more secure and modern form of information storage, providing better protection against fraud. For Discover cards these digits must be "6011-xx". Card names often begin with the name of the issuing bank followed by the particular card name, but in the above case “Bank of America” and “Credit Card” are stylized into “BankAmericard,” the word they use to begin most of their card names, followed by the name of this particular card: “Cash Rewards.”. The first number on your credit card signifies your type of card. On Visa, MasterCard, and Discover cards, the code is a three-digit code on the back of your card. This could be an airline, a banking institution or a retailer, for example. You can read the fascinating story of how magnetic stripe technology was invented and put to use. 0 – ISO/TC 68 and other industry assignments, 2 – Airlines, financial and other future industry assignments, 7 – Petroleum and other future industry assignments, 9 – For assignment by national standards bodies. 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