Can credit cards starting with 3 not be transferred and repaid?

Yes

Credit cards have the function of debit cards and can be transferred, so they can be transferred and repaid

What do the numbers at the beginning of a credit card represent?

1. The first digit of a credit card can distinguish the card issuing organization. Generally, cards starting with 6 are UnionPay cards, cards starting with 4 are cards carrying the Visa logo, and cards starting with 5 are cards carrying the Master card. , cards starting with 3 are cards carrying the JCB logo. Digits 1-6 are the credit card BIN number. The BIN number is the bank identification code, and its full English name is BankIdentificationNumber.

2. BIN is represented by a 6-digit number and is assigned by the International Organization for Standardization (ISO) to each bank card organization engaged in inter-bank transfer exchange. The bank card number is the number that identifies the card issuer and cardholder information. It consists of the following three parts: the card issuer identification code (BIN number), the card issuer's custom digit, and the verification code.

3. At present, domestic bank cards are divided into different bank card organizations according to the number at the beginning of the number. Among them, bank cards starting with the BIN number "4" belong to the VISA card organization, and those starting with "5" Those starting with "9", "62" and "60" belong to China UnionPay.

The UnionPay cards starting with “62” and “60” are UnionPay standard cards that comply with international standards and can be used abroad. They are also the main bank cards issued by China UnionPay in recent years.

Extended information

The most common domestic credit card digits are 16 digits (American Express card is 15 digits), which usually includes bank brand, card issuing organization, card issuing branch and other information. Taking the Bank of Communications credit card as an example, the 16 digits of the Bank of Communications credit card are composed of the following parts:

The 1st to 6th digits are the credit card BIN code. The first digit is the card organization code, of which 4 is the VISA card, 5 is the Master card, and 6 is the UnionPay single currency card; the 2-6 digits are the codes assigned to each bank by the card organization. For Bank of Communications credit cards , the top six credit cards of each type are as follows:

VISA general card 458123, Master general card 521899, UnionPay general card 622252, UnionPay business general card 628216.

VISA Gold Card 458124, Master Gold Card 520169, UnionPay Gold Card 622253, UnionPay Business Gold Card 628218.

VISA Platinum Card 434910, Master Platinum Card 522964, UnionPay Platinum Card 622656.