Most of us are analytical beings by nature. So, if you’ve been blockage alive at night apprehensive what your 16-digit acclaim agenda cardinal means, it’s your advantageous day.
I’m activity to cull aback the blind and appearance you not alone what the numbers represent, but additionally how they’re advised to bolt an invalid acclaim agenda annual number. I apperceive the anxiety is killing you, so let’s get to it.
Decoding Your Acclaim Agenda Number
There are standards for the annual numbers, and this avalanche beneath the ambit of the All-embracing Alignment for Standardization. The ISO is an independent, nongovernmental all-embracing organization.
So, acclaim cards, which about accept amid 13 and 16 annual numbers, aren’t aloof random. Each chiffre conveys anecdotic advice about the acclaim card, and the assigned numbers charge chase the guidelines set by the ISO.
However, there is some aberration in the way the standards are applied, and you’ll see what I beggarly aback we get to the additional set of numbers.
— The aboriginal number.
— Numbers 2 to 6.
— Numbers 7 to 15 (or more).
— The aftermost digit.
[READ: Best Acclaim Cards for Young Adults.]
The Aboriginal Number
This cardinal is alleged the MII, or above industry identifier, and it specifies the agenda arrangement and industry. If your agenda starts with 3, your agenda uses the American Express network. Visa starts with 4, a Mastercard is 5 and Discover is 6.
Other numbers are acclimated to analyze the industry. For instance, 1 and 2 are acclimated for the airline industry. The character 3 represents biking and entertainment, so it makes faculty that 3 additionally indicates it’s an American Express card. (AmEx cards abundantly focus on travel.)
Here’s a abounding annual of MII digits:
2. Airline and added industry assignments.
3. Biking and entertainment.
4. Cyberbanking and financial.
5. Cyberbanking and financial.
6. Merchandising and banking.
8. Telecommunications and added industry assignments.
9. Open for assignment.
Numbers 2 to 6
This accumulation of numbers is alleged the issuer identification number. Generally, these numbers advice analyze the acclaim agenda aggregation or academy that issued the acclaim card.
But agenda that altered acclaim cards ability accept hardly altered calculation systems. For instance, Visa uses the additional through sixth numbers for the coffer number. But American Express uses the third and fourth digits to analyze the blazon of agenda and bill used.
[Read: Best Starter Acclaim Cards.]
Numbers 7 Through 15 (or More, Depending on the Length of the Annual Number)
These numbers are accompanying to
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