Credit Card Number and Debit Card Numbers format follow the standard format of ISO/IEC 7812 and it consists of up to 19 digits. The structure is as follows;
- first 6 digits is Bank Identification Number (BIN) or Issuer Identification Number (IIN) while the first digit indicate Major Industry Identifier (MII).
- the next 6 up to 12 digits indicate the individual account identifier.
- the final single check digit calculated using the Luhn algorithm (MOD 10).
It is possible to check the credit card validity by checking the existance of Bank Identification Number (BIN) through FREE Online BIN Checker Services such as provided by bincodes.com. This kind of web service normally has a complete BIN Database and BIN List and frequently updated.
The second method to check credit card number is via calculating the final check digit in the full credit card number through mathematical calculation by using Luhn algorithm (MOD 10). The easiest way to do this is via FREE Online Credit Card Checker Service.
While both method to validate credit card mentioned above works well, bear in mind that there is also a service to generate a valid but fake credit card number which normally called Credit Card Generator. This generator may defeat both validation methods. While the numbers generated in valid, there are no valid expiration date, card holder’s name and CVV number which make the purchase impossible.