How many digits are there in the credit card?

Following international standards, the digit length of a credit card can range from 13 digits to 19 digits, but most of the credit cards we commonly use are 16 digits. , while the American Express credit card is 15 digits and the Diners Club credit card is 14 digits.

1. Generally, cards starting with 6 are UnionPay cards, cards starting with 4 are cards carrying the Visa logo, cards starting with 5 are cards carrying the Master card, and cards starting with 3 are cards carrying the JCB logo. card. The first few digits of a bank's cards with the same logo are the same. This part is usually stipulated by the bank itself. For example, for China Merchants Bank, cards with the UnionPay logo start with 62258, cards with the Visa logo start with 4392, cards with the Master logo start with 5186, and cards with the JCB logo start with 3568.

In addition, everyone should also note that the number of digits in a bank's debit card and credit card is generally different. For example, in China Construction Bank, the debit card starts with 4367, which is 19 digits, and credit cards with the Visa logo also start with 4367, but are 16 digits.

2. Some ICBC credit cards have 15 digits, some have 16 digits, and some have 18 or 19 digits. It depends on what type of credit card you have. ICBC generally starts with 95588 or 6222. If it starts with the above two, it should be 19 digits. If it is a credit card or debit card, then it will be 16 digits, starting with 5309, 4815, 4580, etc.

3. Generally, when a credit card expires and the credit card center sends a new card directly, there is no need to change the credit code. In addition, if the cardholder's card is damaged and the magnetic strip cannot be sensed, making it difficult to continue using it and the card needs to be replaced, there is no need to change the credit card number. But there are also some situations where it is necessary to change. For example, when a new card that has expired is not received on time and the cardholder applies for a new card to be re-sent, changes will occur. Because this is equivalent to you applying for a new credit card and registering an account at the bank. Another example is when the cardholder reports the loss of the card and applies for a new one, changes will also occur.

What is the credit rating of ICBC? (For online banking)

ICBC’s credit rating is 14-16 digits.

You can judge the type of ICBC card based on the first 6 digits (card BIN):

1. Debit card (usually 19 digits): 955880, 955881, 955882, Cards starting with 622200, 622202, etc. are Money Link Cards or E-Age Cards; cards starting with 955888, 622208, 621288, etc. are Gold Management Cards or ICBC Wealth Management Gold Cards.

2. Credit card (usually 14-16 digits): starting with 3, 4, 5, 6 (except international debit cards).

Extended information

ICBC credit cards are classified in the following ways:

1. According to whether they enjoy the interest-free repayment period, they are divided into: credit cards and quasi-loans Debit card;

2. Divided according to credit level: black gold card, platinum card, gold card and regular card, etc.;

3. Divided according to account currency: RMB card , dual-currency cards (including multi-currency cards);

4. Divided by brand: UnionPay card, VISA card, MasterCard, American Express card, JCB card and Diners Club card, etc.;

5. According to the card issuance objects, it is divided into: personal card and corporate (business) card. Personal card is divided into main card and secondary card;

6. According to the information carrier, it is divided into: magnetic stripe card, chip Cards and magnetic stripe chip review cards.

Industrial and Commercial Bank of China - Credit Card Classification

Industrial and Commercial Bank of China - How to Determine the Type of Bank Card

How Many Digits Does a China Merchants Bank Credit Card have? 16 digits. Generally, credit cards have 16 digits. Debit cards have different digits depending on the bank.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: BillingDate).

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

According to different card issuers, they can be divided into bank cards and non-bank cards:

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards:

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards:

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards:

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards:

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

The credit number

The UnionPay card starts with 6, the visa card starts with 4, the master card starts with 5, and the jcb card starts with 3. You'll know how your card is organized from the get-go.

For cards issued by the same bank, the bank stipulates that the first few digits are the same. Taking China Merchants Bank as an example, the UnionPay card starts with 62258, the visa card starts with 4392, and the master card starts with 5186. At the beginning, the jcb card starts with 3568.

However, the digits of debit cards and credit cards of the same bank are different. Taking China Construction Bank as an example, 4367 is the beginning of the debit card, with 19 digits, and 4367 is visa. The credit card has 16 digits.

Industrial and Commercial Bank of China is a weird one, with 15, 16, 18 and 19 digits. In fact, the main thing to look at is the type. Generally, it starts with 95588 or 6222, which starts with 19 digits. If it is a credit card or credit card, it is 16 digits.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , deposit and withdraw cash, etc., an electronic payment card with all or part of the functions? On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

The credit card generally refers to a credit card.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Credit card is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments.

Except for some credit cards that are combined with debit cards, general credit cards are different from debit cards and cash cards in that credit cards will not directly deduct funds from the user's account.

Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with specially appointed organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.

A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.

This is the end of the introduction about the number of digits in a credit card and the number of digits in a credit card. I wonder if you found the information you need?