How many digits are there on a credit card?

Currently, the China Merchants Bank Express card has 15 digits. In addition, other credit cards have 16 digits. We cannot provide a choice at the moment. Credit cards will be sent randomly. .

What is the format of a credit card?

The 16-digit credit card is an international standard. The first 6 digits are BIN, which is assigned by the international card organization.

The credit card with 4 as the first number is VISA card, and 5 is Master. 622126~622925 are UnionPay standard cards. The credit code starting with 6 is China UnionPay single currency card (or American discover), the credit code starting with 4 is the international brand VISA credit card (the world's first credit card organization), the credit code starting with 5 is the international brand MASTERCARD, and the credit code starting with 3 is Japan's JCB and the United States' AMERICAN EXPRESS. The 7th to 15th digits are assigned to each row according to their own needs according to their regional affiliation, and the 16th digit is the check digit.

Other non-16 digits are formulated and allocated by each bank. The credit is a raised 16-digit number on the front, located under 1/3 of the card. Below it is the validity period separated by years and months with a "/" symbol, and at the bottom is the cardholder's name.

Extended information:

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, and card holding number are printed on the front. The cardholder's name and other contents are included on the back with a chip, magnetic strip, and signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

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 specified credit limit. The so-called credit card generally refers to a credit card only.

How many digits are there in the credit card?

VISA and MASTERCARD credit cards usually have 16 digits:

xxxx

xxxx

xxxx

xxxx

Digits 1 to 6

are the card issuing bank

BIN

NO.< /p>

Digits 7-12

Card sequence number

Digit 13

Represents the main card, 1-9

The 14th digit

Represents the card statement issuance date

The 15th digit

Represents the card as the For several cards, 1 will be added after the card is reissued

The 16th digit

Verification code

In addition, VISA and MasterCard have not specified the numbers in them. , is defined by each card-issuing bank. Therefore, different card-issuing banks have different definitions of the 13th digit.

How many digits are there in the bank card?

China Merchants Bank bank card does not contain letters:

Passbook: 15 digits;

All-in-one card: 16 digits , some customers hold old cards with 12 digits;

Credit cards: American Express cards have 15 digits, others have 16 digits.

(Response time: June 2, 2022. For the latest business changes, please refer to the official website of China Merchants Bank)

What is the credit digit?

UnionPay cards are The 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 name of the issuing bank, validity period, number, cardholder 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 appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation 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 specified 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. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments.

Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM 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.

How many digits are there in a credit card?

There are two types of bank cards. One is a debit card, which we call a savings card. It usually has 19 digits. There are also special circumstances, such as China Merchants Bank, Construction Bank 16th, Bank of Communications 17th, etc. The other is a credit card, which is a credit card. All banks use 16 digits. The following are the bank digits of each bank:

1. China Construction Bank: 16 or 19 digits for debit cards, 16 digits for credit cards;

2. Agricultural Bank of China: 19 digits for debit cards, 16 digits for credit cards ;

3. ICBC: 19 digits for debit cards and 16 digits for credit cards;

4. Transportation: 17 digits for debit cards and 16 digits for credit cards;

5. People's Livelihood: 16 digits for debit cards and 16 digits for credit cards.

Let’s stop talking about the introduction of credit card.