![]() 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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