Card number is one of the important numbers which you wish to access every time you need to know your account number to pay bills or want to go shopping.
Luckily, we have found to access account number with or without the credit card on hand. Let’s help you out in the process through the following two ways :-
Locating the Account Number on the Card
Look for the number written on the front of the card. The credit card number must be either printed or embossed in raised numbers across the front of the card. This is typically a 16-digit number. But it may vary anywhere from 12 to 19 digits.
Skip past the first 6 numbers on the card. The first 6 digits are the Issuer Identification Number (IIN), also called the Bank Identification Number (BIN). The said number tells merchants the type of card it is and which bank issued the card. This information is not considered part of the account number. The first number of the IIN is dependent on what major credit card company issued the card. For example, all Visas initiate with the number 4, whereas Mastercards initiate from either 5 or 2.
Exclude the last number on the card. The last number on the card is known as a check digit. It is not the part of the account number. Credit card processors utilizes a special calculation known as the LUHN Formula to evolve and determine the authenticity of a card number. The formula makes a calculation by multiplying and adding together the numbers of the card, and the check digit is added for the final sum becomes divisible by 10.
Write down the remaining numbers to find the account number. After exclusion of the IIN and check digit, the remaining numbers will give the account number. If you have a 16-digit card number, the account number should contain 9 digits.
Trying to get Account Number without a Card
Check credit card statement in case of a paper bill. The account number must be listed with the personal information at the top of the bill. However, due to security concerns, the credit card companies only include the last 4 digits of the account number on the statement of the accounts.
Access the account online in case of an online option. Many credit card companies now are utilizing online banking as a secure and convenient way for reaching out to their customers and to manage the information. Visit the credit card company’s website, log in, and navigate to the account information to find the account number. In case you have never used the credit card company’s online banking facility, you must enter the account number in order to create a login. In this case, you will definitely need to call the credit card company to get the information you require.
Call the credit card company. If you do not have access to the credit card and you might not be able to find the account number on the statement or online, call the credit card company to get the account number. The contact number for the credit card company should be located on the bill. You may also look online to find it. As you call the customer care, you will likely have to provide the customer service agent with identifying information like social security number or mother’s maiden name.
These above steps will help you to get access to the card number for a faster access to the account information.