Started issuing some of its numbers starting with 2. will usually be a 3 through 6.Ĭard, it will always start with a 4, while MasterCards generally start with a 5 - although in 2017 Mastercard Instead of representing a general geography like 212 for New York City, it represents an industry type, like 4 for a financial institution.Ĭalled an MII, or Major Industry Identifier, the first digit of a credit card number from a major issuer in the U.S. The first digit on a credit card is like an area code in a phone number. Here’s how to decipher a credit card number. Like numbers on a paper check, they provide payment routing information so charges are processed correctly every time you swipe or dip a card into a checkout card reader or type your information into an online form. That’s because credit card numbers follow patterns established by the International Organization for Standardization.Ĭredit card numbers don’t only identify your account. Using terms that sound like something out of a spy novel - such as MIIs and the Luhn algorithm - you can decode parts of a credit card number and even tell whether it’s fake or valid. You can do that because credit card numbers aren’t random.
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