Maria Adams, Credit Cards Moderator
@m_adams
A Visa credit card starts with 4147, judging from the first digit of this string of numbers. Each credit card has a unique string of numbers, but the first one can help you identify the payment network. When combined with the first digit, the next 5 digits identify the credit card issuer. So, depending on the 2 digits that follow this number, the card could be issued by either Chase or Capital One, among other issuers.
4 Major Parts of Credit Card Numbers
- 1st Number: This number tells you what type of company a card is affiliated with (airline, banking institution, retailer, etc.) and helps indicate which major card network the card belongs to.
- Numbers 2-6: Together with the first digit, these numbers clarify which credit card company a card is issued from.
- Numbers 7-18: The seventh and all subsequent digits in a card number, except for the last, identify the individual account in question.
- Final Number: The last digit serves as a final check for payment processors. It’s basically part of a math trick to verify that a card number is genuine.
To learn more about what these digits stand for, refer to WalletHub's credit card number guide.
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