LUSKY & ASSOCIATES, P.C. is a Small Boutique Law Firm with a practice emphasis in Consumer & Business Bankruptcy Law and Debtor-Creditor Relations for over 30 years.

Credit Card Numbers Decoded

Ever wonder what the numbers on a credit card mean? Well, here it is:

Credit cards usually consist of 16 digits. xxxx xxxx xxxx xxxx

The first digit is the Major Industry Identifier.

  • 1 and 2 are airlines
  • 3 is travel and entertainment
  • 4 and 5 are banking and financial
  • 6 is merchandising and banking
  • 7 is petroleum
  • 8 is telecommunications, and

  • 9 is National Assignment
The first 6 digits are the issuer identification number. Cards can be looked up by this number.  For example —
  • 4xxxxx is Visa
  • 51xxxx through 55xxxx is Mastercard

The 7th and following digits except the last digit are the person’s account number. The final digit is a checksum.  It is used to validate the card number using an algorithm.

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