Physical Address
304 North Cardinal St.
Dorchester Center, MA 02124
Physical Address
304 North Cardinal St.
Dorchester Center, MA 02124
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At O1ne Mortgage, we prioritize consumer credit and finance education. This post aims to provide an objective view to help you make the best decisions regarding your credit card numbers. For any mortgage service needs, call us at 213-732-3074.
Credit cards typically have 15 or 16 digits, each representing specific information necessary for transactions. These numbers follow international standards to facilitate easy and accurate payments. Here’s a breakdown of what each digit means:
The first number indicates the card’s payment network. For instance, cards starting with 3 belong to American Express, Diners Club, or Carte Blanche. Visa cards start with 4, Mastercard with 2 or 5, and Discover with 6.
These are issuer identification numbers (IINs) that indicate your card issuer and the specific credit card product. For example, Chase uses the number 414720 for its Visa cards.
The remaining digits make up your account number, linked to your card issuer to ensure transactions are routed correctly. The last digit, known as the “check digit,” helps verify the validity of your credit card number.
Many people mistakenly believe their credit card number is their account number, but they are different. Your account number can be found on your credit card statement or in your account dashboard. This distinction allows your card issuer to replace a lost or stolen card without creating a new account.
Besides your credit card number, your card also features other important numbers, including the CVV code and expiration date.
The CVV (Card Verification Value) is a three-digit number on the back of Visa, Mastercard, and Discover cards, and a four-digit number on the front of American Express cards. This number provides extra verification for online and phone transactions to prevent unauthorized use.
Card issuers set expiration dates to enhance security, typically after three to five years. The expiration date is listed in a two-digit month and year format. Your account remains active, but the card itself will no longer be functional after this date. Replacement cards are usually sent out 60 days before the expiration date.
While your card issuer employs various security measures, it’s crucial for you to protect your credit card information as well. Here are some steps you can take:
A Virtual Private Network (VPN) encrypts your internet activity, protecting your privacy and sensitive data. This makes it difficult for hackers to intercept your information.
A virtual credit card is a temporary, disposable number that provides more anonymity for online purchases. These numbers are tied to your account and can be set up in your account settings.
Ensure you shop on secure sites with URLs starting with HTTPS. The “S” stands for secure, indicating that the site encrypts your information.
Hackers use phishing techniques to steal your information. Avoid clicking on suspicious links and manually type the website URL in your browser when shopping or banking online.
Despite your best efforts, hackers can still gain access to your accounts. Regularly monitor your credit scores, reports, and account statements to spot suspicious activity. Identity theft and credit protection services can aid your efforts with monitoring and privacy scans.
For any mortgage service needs, call O1ne Mortgage at 213-732-3074. We are here to help you make informed financial decisions.
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