Credit cards starting with 4 are on the Visa network, which means they can be used to make purchases from more than 40 million merchants in 200+ countries and territories. A credit card starting with 4 also gives you access to Visa’s standard benefits, including fraud liability protection. Individual card issuers may elect to provide additional Visa perks for certain types of accounts, too.
The first digit in a card number isn’t the only one with significance, though. The five digits that follow are especially important, as they correspond with the issuing bank.
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