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What do the 16 digits on a credit card mean? [infographic]

Posted by / January 21, 2011

Via Budget Planner Software at Mint

Keep your personal finances in order.

Comments are off for this post.

  • andrewfmertes

    Are you sure it doesn’t work Andy Hall? Here, give me your credit card numbers. I will double check for you.

  • Robert A Goodmore

    WAIT! Thats MY credit card number!. Fortunately nobody will be able to use it after july 2014, because thats when it expires… and nobody knows that my security code is 359.

  • Mathew

    Thanks Robert, i could buy couple of items from Ebay using your card

  • […] a “checksum” that’s used to make sure your credit card number is not invalid via a cleverly simple math trick known as the Luhn […]

  • garv kapoor

    it is a good article on credit cards…pls keep writing more

  • […] The infographic originally appeared on Alltop. […]

  • garv kapoor

    hey that’s a wonderful primer on credit cards…a must see for all credit card users and merchants…i have come across another wonderful site on finance related topics……pls visit that site and look at detailed analysis on LIC plans, LIC jeevan anand plan,LIC jeevan arogya plan etc.

  • Wow, that’s pretty interesting!

  • Andy

    The 7th and following digits,excluding the final digit would be a billion possible combinations not a trillion, right?

  • this is not for my credit card.. my credit car is 58… but i can use my card on shops and e-shops. And on the picture, the credit card number is ending 2.. but it is ending 3 in caltulating.

  • Amazing infographic, enjoyed it.

  • Nice info that I didn’t know about credit card. I will try to validate my credit card number right now 😀

  • Good one. Informative.

  • harsha

    try to post your valuble stories of life

  • vicky

    what does 8 digit mean in the middle of the numbers…….??????

  • storyover

    its work it thanks

  • Using your method, my credit card digits add up to 69 (not wholly divisible by 10) but its a working credit card issued by one of the major banks in India.. I have been using it for slightly over an year now.

  • Oops Sorry, calc mistake. Yes it works. Thanks for the wonderful insight in credit card numbers.

  • John Coxon

    This is why we need a reliable web developer to implement good security on our website – I saw some tips here Hiring A web Designer Tips

  • THE MILLIONAIRE SOCIETY REVIEW . The Millionaire Society Review By Brad Marshall !

  • quite interesting thanks for sharing

  • God job in this field and better experience.
    Thanks for sharing this information.

  • There’s now a fully updated version of this infographic that sets it out in simpler terms with a clear step-by-step guide of what the numbers on credit cards actually means and how to use the Luhn algorithm. Check it out now via the AllTop Oddities section :

  • Great article..It is realy very interesting fact about credit card number..Keep on sharing such useful facts..

  • pursueincome

    Great information. But the problem is that most Banks find it very difficult to teach customers how to protect their information the more. On the other hand it should be the customers responsibility to protect the money they have suffered for.

  • The first digit tells you what type of business issued your card. The first six numbers identity your bank/issuer specifically. The seventh and following digits identify YOU. The final number checks you typed everything in correctly. You can also check whether any credit card number is valid using the Luhn algorithm. The Luhn algorithm is only in place to check for mistakes when typing your number in online or reading it out over the phone.

    More here:

  • Jake

    I have 3 credit cards and the addition trick only works on two of them. And I made an excel spreadsheet to check my arithmetic.

  • Amazing work

  • Cool thanks

  • chris

    this is wrong. miine added to 105

  • What a cool infographic! What about the numbers on the back of the credit card, is there any code to them?

  • Nice one. A lot of math but my credit card number is valid 🙂

  • Hymn

    Woah nice artical 😀 though the digits through 7-15 don’t get us a trillion configurations , they only give a billion. I guess thats also fine since no bank will have a billion customers any time soon

  • thanks for the share

  • Wow. That really did not know. reverence

  • Unfortunately, I can’t see the graphic. Does it exist anywhere else?