Keep your Credit Card safe!

Here are some Tips for Card Safety

  • Be sure to sign your card as soon as you receive it.
  • Safeguard your card as though it was cash.
  • Memorize your PIN. Never write it down.
  • Shred receipts that contain the full account number if you do not need to keep them.
  • Use online or mobile banking to review your account statements as often as you can to make sure all the transactions are yours.

How many digits does the Valid Credit Card Number have?

First of all, all potential cardholders should know, that the different types of credit cards have different number of digits in their numbers.

Below is the full list of credit card issuers and the respective length of their credit card numbers:

Visa and Visa Electron Credit Cards

These credit cards have 13 or 16 digits in their number.

Mastercard and Discover Credit Cards

Both of the above cards have 16 digits.

American Express Credit Cards

AmEx cards have 15 digits in their number.

Diner’s Club:

You will find exactly 14 digits in the Diner’s Club Credit Card number.

Maestro:

12 to 19 (multi-national Debit Card)

Laser:

16 to 19 (Ireland Debit Card)

Switch:

16, 18 or 19 (United Kingdom Debit Card)

Solo:

16, 18 or 19 (United Kingdom Debit Card)

JCB:

15 or 16 digits

China UnionPay:

16 digits

What is a credit card?

Where should we start? Of course, we start with the foundation – and the basis of this site is the credit card.

A credit card is a type of card used for payments. It allows its owner to pay for goods and services based on the holder’s promise to actually pay for them on a later stage. In fact, the credit cards creates a legal opportunity for delayed payments.

Apart of the card owner (also called cardholder) there is the figure of the issuer of the credit card. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.