Comments on: How Do You Know if a Credit Card Number is Valid?

By: sam

sam — Mon, 30 Jan 2012 05:38:37 +0000

can any one tell me the valid american express credit card first six digit number …

By: L.Walker

L.Walker — Fri, 27 Jan 2012 05:08:34 +0000

It is luke skywalker to you, and no i am not very happy with my account. (jk) but thanks for the info!

By: frank

frank — Tue, 22 Nov 2011 01:22:08 +0000

Thanks mate!

By: Dave

Dave — Mon, 03 Oct 2011 18:28:17 +0000

We are implementing China’s UnionPay. Can someone give me a good test card number? Thanks.

By: nifemi

nifemi — Wed, 25 May 2011 00:36:43 +0000

i will like you to help me check if this card is working and the information about it
4929297172905897

By: williams

williams — Thu, 23 Sep 2010 18:00:13 +0000

please i need a credit card that is valid to purchased my school ambition

By: Ralph

Ralph — Tue, 24 Aug 2010 10:57:19 +0000

please i need a credit card for some reasons,please help me out,please a card the have fund on it.

By: Janet

Janet — Thu, 12 Aug 2010 09:33:11 +0000

please I need a credit card info,i need to subscribe for a dating site called mate1,i will appreciate you help.

By: tri

tri — Fri, 30 Jul 2010 09:23:05 +0000

can i have sample discover credit card starting with 65 or 64 and having 16 digits

By: samsong

samsong — Tue, 23 Mar 2010 16:48:34 +0000

i want to know if this credit card are valid and if valid i need the whole info about it 4271035222415929

By: adetayo mathew adebayo

adetayo mathew adebayo — Tue, 23 Mar 2010 09:44:48 +0000

i need a card that is valid

By: Kevin

Kevin — Wed, 03 Mar 2010 06:57:34 +0000

I got my wallet, grabbed two cards, and did the calcs… they were both valid!

Thanks for the post.

By: Nickel

Nickel — Wed, 03 Mar 2010 02:24:18 +0000

Gregg: You are indeed correct, and I’m apparently lame when it comes to working a calculator. The example is laid out properly, but I added it up wrong. I’ve fixed it. Thanks!

By: Gregg With 3 G's

Gregg With 3 G's — Wed, 03 Mar 2010 02:13:13 +0000

The card given in the example, 5424 1801 2345 6789, adds up to 70, not 67. Supposedly, this means it could be a valid card. If this really is the example given on the CitiBank site as an “invalid” card it raises questions about their accuracy.

By: Doug

Doug — Tue, 02 Mar 2010 06:52:31 +0000

For some example cards that are valid you can try:

4012888888881
4012888888881881
5454545454545454

These are purely test cards that are given out by Visa and Mastercard for merchants to test their credit card frontends. For a more complicated test, the expiration on those is 12/49, their CV value is 999, the address is ‘123′ (since really only the numbers in an address matter) and the zip code is 12345.

As a follow up to what you said yesterday, MasterCard is only 5099-5499, with 55 being Maestro. Above that its a mix of private label and Wright Express if memory serves me right.

Discover actually processes for Diners Club International, JCB (Japan Credit Bureau), and CUPS (China Union Pay). Discover is a subset in 6011 and their new range of 6440-6599. Diners Club is 3000-3095, 3600-3699, and 3800-3899. JCB is a subset of 35, while CUPS is a subset of 62.

That’s why AMEX has 34 and 37.

With VISA and MC also identify what type of card you have by the BIN (Bank Identification Number), which are the first 6 digits. So merchants can identify what rate they’re going to be charged for that transaction and whether they should attempt to get the customer to enter their Debit PIN (which is cheaper for the merchant). AMEX on the other hand does not do this, which is why, for example when you shop at Walmart with an AMEX, you must always enter your zip code. Zip code information along with the purchase is known as Level 2 and must be included for certain card types. Since the merchant doesn’t know based on the BIN with AMEX, the only safe move is to always ask for it.

By: SkiSpeaks

SkiSpeaks — Tue, 02 Mar 2010 00:11:26 +0000

Nickel,

Like MikeS said, very cool series of articles. I did a search and there are actually tools that will run this validation automatically, like the one at:
http://www.braemoor.co.uk/soft.....card.shtml
(For disclosure, I have nothing to do with that site).

In keeping with the spirit of liking finance and random trivia, I added your post to my roundup of links for the week

By: MikeS

MikeS — Mon, 01 Mar 2010 21:14:56 +0000

Yup, I’m a geek. I tested one of my cards and it’s valid.

Very cool Nickel.