The bank credit card beginning with 4200 is issued by China Merchants Bank. This is because in China, the first few digits of each bank's credit card number represent the identity of the issuing bank. For example, if the credit card starting with 4 is an international brand VISA credit card, then the credit card starting with 4200 is issued by China Merchants Bank.

The first six digits of the credit card number are BIN, which is assigned by the international card organization. The first card is VISA card, the fifth card is MasterCard, and 62 starts with UnionPay standard card.