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- 5406 8760 4261 1642
- 5300 6573 1907 4319
- 5314 8575 7811 7742
- 5132 5415 1683 6205
- 4916 7360 5229 1469
- 4485 8008 1704 3978
- 4916 5942 2229 8462
- 4532 2810 7803 6618
- 4916 2219 8466 4406
- 3479 7766 7024 187
- 3428 0527 7497 334
- 3798 8955 9226 906
- 3714 7900 8150 929
- 3489 8237 0175 663
- 6496 0887 6333 8475
- 6546 5769 0219 4965
- 6576 1570 6060 9160
- 6589 4452 9867 4444
- 6011 5142 5258 1040
What is a credit card?
Credit card is a plastic card that fits easily in your wallet and allows you to make cash free purchases. There is a unique number embossed on each credit card and a limit of credit assigned. The user can buy services and goods with their card and pay interest on the money spent each month instead of paying the complete amount used. The unpaid amount of every month is carried forward to the next month and the interest is calculated accordingly. Most cards have an interest rate of typically 10% to 30%; it is advisable to check the interest rate before getting a credit card.
Most cards privilege their customers with rewards and offer points on purchase from specific retail or online stores. There is also a yearly fees associated with certain credit cards, while there are free credit cards also available. The credit card issuer companies earn through interest paid by the user, yearly fees and late fees. They also charge retailers on each sale via credit card.
Anatomy of a credit card?
Front of a Credit Card
Back of a Credit Card
- Logo of the Issuing Bank
- EMV chip
- Credit Card Number
- Credit Card Network Logo
- Date of Expiry
- Name of Card Holder
- NFC Chip (Contactless)
- Magnetic Strip
- Card Holder's Signature
- "Card Not Present" Security Code
What are Credit Card Security Codes?
Below is the information about various Cards and the location of the security code:
Credit cards use various types of security codes like CVC2, CVV2, CID, and CSC. MasterCard uses CVC2 and Visa uses CVV2, Discover and Amex uses CID (card identification number) and Debit Cards use CSC (card security code).
Credit Card Fraud
There are different types of credit card frauds that can leave the user in trouble. We hope the below information is useful to you:
- Stolen Cards - As the name suggests, the card holder is robbed of the card physically or card is poached from the mail before it reaches the card holder. User can immediately get the card cancelled by intimating the issuer company.
- Duplicated Cards - Merchants put the credit card in a secondary machine for copying it. These machines are easily available as they are multi-purpose.
- Application Fraud - This is similar to identification theft where a person files in the information of another person into the form using stolen or fake documents.
- Account Takeover - the fraudulent person requests a change of address by using genuine card holders personal information and then at a later date reports that the credit card was stolen. The new card will be mailed to the new address and will be used by the thief.
- Skimming - Payment receipts or account number or the security code of the credit card is copied to be used at a later time.
- Carding - In this process the card is not used but its number is used to verify its validity.. Using devices like generators (hopefully not mine) the thief enters the card information on any site that uses real-time processing of transactions. If the purchase is successful it means the card is still good, and is sold off to other individuals who will perform the fraud. Typical price range for these cards is upwards of $50 dollars per card.
Credit cards, debit cards along with gift cards and store cards all have a PAN (primary account number) and are created using the ISO/IEC 7812 standard. The number used is made up of four parts.
- Major Industry Identifier (MII) - this is the first digit of the PAN; Industries listed are Airlines, Travel, Banking, Petro, Helthcare, and Merchandising.
- Issuer Identifier Number (IINS) - the first six digits of a card number including the MII.
- The account number starts from the seventh digit to the second last digit, and can contain a maximum of 12 digits. The company issuing the card creates this number.
- The final digit is a check digit which can be figured out using Luhn's algorithm. If you want to learn more about the validation of credit cards check out Credit Card Validation.