Use your credit card number wisely

Now that we are all acquainted with what a credit card is, there are some serious issues with the proper and safe use of the credit cards. Read carefully below and remember.

Risks or Security Threats associated with Credit Cards

The credit card number is a high source of information to the cyber criminals. Nowadays, a little knowledge about hacking and online operations of sites can enable people gain extremely confidential information about valid credit card numbers of thousands of credit card holders. The information acquired by them, can prove disastrous to the credit card holders.

They might receive bills for items they have not spent on, which might be alarming to its rightful owners. It is observed that the in such cases, it is extremely difficult to trace back the money lost in such thefts. In extremely rare cases, security agencies catch hold of the criminals. The amount of money stolen by these hackers, are pretty hefty and may hit the credit card holder adversely.

Remedies to Threats and Security Risk

The basic remedy for such incidents lies with information and awareness. It is a threat, to even the banking institution or similar institutions, who have issued the credit card. Their reputation is on stake in such situations. Thus, credit card offering companies should provide detailed information to their customers by informing them all the benefits and threats attached to it, as incomplete information is always dangerous.

They should not be sales oriented. Fair and detailed information should be provided to them. High-tech clearance system should be installed, to scrutinize each and every transaction to prevent mal-practices and secure the interest of their customers.

The credit card users should not disclose any confidential information related to the credit card like the credit card number, pin, bank details, etc. They should keep the information to extremely restricted number of people.

They should swipe their credit cards only in authorized outlets. The un-authorized outlets can manipulate the confidential information of card holders for benefits. They should not allow other people to use their credit cards.


Every item comes with the negatives and positives attached to it. The credit card is certainly a valuable instrument which saves time, effort and is quite convenient to use. Taking certain precautionary steps like the above can help in completely nullifying the security threats.

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.


12 to 19 (multi-national Debit Card)


16 to 19 (Ireland Debit Card)


16, 18 or 19 (United Kingdom Debit Card)


16, 18 or 19 (United Kingdom Debit Card)


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.