We will then print the code on each card's magnetic stripe. The account number is left justified with trailing spaces. Answer (1 of 11): The short answer is that American Express cards have a different PAN format than Visa, MasterCard and Discover because they offer a different kind of financial service. Here youll typically find: Some credit cards also carry the expiration date on the back. How and why this works are matters too complex to cover in the course of this discussion, but feel free to read up on the topics if you wish! MonitoringTrack It, Cash And that, in turn, tells you a bit about the benefits available to cardholders. Here are some popular MIIs and what they represent: 1: Airlines 2: Airlines and Financial The first digit or two of a credit card number sequence indicates the card issuer. While it will make shopping online a bit more difficult, a numberless card could have some potential upsides. Truth about Credit Repair, All In this case, the IIN of 473702 indicates that this card was issued by Wells Fargo in United States. P/C. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Using Merchant Category Codes To Maximize Your Credit Card Rewards, What Is A CPN? On MasterCards, the second and third, second and fourth, or second and fifth digits indicate the bank number. Credit card numbers work the same way. This is the Major Industry Identifier (MII). Credit cards are meant to be used instantly for payments. Click on 'My Account' in the main menu. In most cases, by combining the first through the sixth or eighth digits, you can figure out who the payment network and card issuer areand the industry theyre associated with. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. The string should start with either a 2-digit number range (ranging from 51 to 55) or a 4-digit number range (ranging from 2221 to 2720). When we double numbers like 5, we have to reduce the double digit down to the sum of the two digits5 times 2 is 10, and 1 plus 0 is 1. For example, here's the Binlist entry for a debit card issued by Chase Bank in the U.S. Think about it similarly to your checking account number. I get 28 FICO scores, rent and utility reporting, cash rewards and even a discount to one of the leaders in credit repair. This is not part of the credit card number, but its often used to validate payments. A typical credit card number is 15 or 16 digits long. Past performance is not indicative of future results. On your profile landing page, click the green block entitled 'FINANCIAL SERVICES'. 9 is open for use by the government and is basically the other category. By 1968 the company had gone global. Your web browser (Internet Explorer) is out of date and no longer supported. Between 1989 and 1991, Visa's losses due to re-encoded cards jumped from zero to $39 million. If the result from Step 4 is divisible by 10, the card number is valid; otherwise, it is invalid. The subsequent 8 numbers are part of your account number. Loans, How to Get Your First Credit Performance information may have changed since the time of publication. You can use the specific regular expressions below to alert customers when they try to use a kind of card you don't accept, or to route orders using different cards to different processors. To help ensure that you do have the card in your possession and arent simply trying card numbers generated using the math above, you have to enter the CVV number. These are unique credit card numbers linked to your credit card account that allow you to shop online without giving merchants your actual credit card number. I need that peace of mind in my life. You will always want to protect your credit card number from being stolen, and it might be helpful to know that the first six digits are the same for everyone with the same kind of credit card you have. Here are the best cards for making your trip more comfortable. What else do you get with ExtraCredit? A Mastercard number is valid if it satisfies the following conditions: The string should not contain any special characters, alphabets, or whitespaces. to Repair Your Credit, How Avoid writing down or taking photos of the number, and always report a lost or stolen credit card to the card issuer. But the two are linked and your account number will usually be on your credit card statement. Credit card numbers cannot be truly validated using regular expressions; final validation always requires some interaction with a credit card processing organization. But as you can see below, American Express and Discover are unique from their more-widely-accepted counterparts. 1. Credit card number. However, if somebody steals your card, it can still be used in person. Once the data is exported, it is sent to Plastic Resource. Multiplying by 2 all digits of even rank. Close. Citi card numbers are usually made up of 16 digits. The Card Verification Value (CVV) is a series of three or four digits usually found on the back of the credit card. to Improve Credit, Removing While they might seem random, each digit on your credit card is important for making purchases. When shopping online, pay close attention to the platform. John S Kiernan, Managing EditorAug 12, 2022. Credit card transactions are processed through a variety of platforms, including brick-and-mortar stores, e-commerce stores, wireless terminals, and phone or mobile devices. You can also use Click to Pay, which was created as a joint service for all four major credit card networks. The remaining numbers (3456789101) are your individual account number. All these numbersthe PAN, CVV/CVC and expiration dateare stored in the magnetic stripe and in the Europay, Mastercard and Visa chip (EMV). Your Credit, Monitoring Four major credit card networks dominate global markets. But heres where the breakdown gets slightly different with each card. By asking for this small but significant additional piece of information, a Point-Of-Sale system (POS) provides more assurance the account owner has possession of the card and that the number hasnt been stolen. Also known as the magstripe, the magnetic stripe is located on the back of the card and transmits the cards data to the point-of-sale. Is a Good Credit Score? The next five numbers (43212) indicate the bank that issued your card; together, those first six numbers (543212) make up the BIN. Calculators, Log Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Log-in to your account. Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. The rest of the digits in your credit card number, with the exception of the final number, are related to your specific account. How does it all work? A credit card number is a long set of digits usually displayed on the front of the credit card. The current welcome offer on this card is quite lucrative. Please download one of these up-to-date, free and excellent browsers: No, legally there's no way for someone to get a credit card number from a store receipt. Once you swipe your card, a terminal (or credit card reader) uses the magnetic strip on the back that stores your card number to determine where the transaction should go. About Credit Repair, Credit American Express cards are "travel and entertainment" cards. For example, if one of the numbers is 8, it doubles to 16. It is special to the company and is registered. No, legally there's no way for someone to get a credit card number from a store receipt. 5: Interest-bearing current or checking account. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Cards for Bad Credit, All Realize the sum s s of all digits found. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. The annual airline fee statement credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards. The first six digits on a credit card are called the issuer identification number. 2. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. Card Number. Visa uses digit 13 as the checksum in most cases, while the other major networks use the last digit. n 2. By the 1950s, it had grown drastically and expanded into the financial sector. Credit card prefix numbers check: Each credit card issuer has a varying credit card number length, usually 13, 14, 15, or 16 digits, and some even have 19 digits. Eno is learning all the time and may not catch everything, including some free trials, subscriptions, renewals, and spending activity. But it remains the best way to get in touch with someone from your bank when you need it. It all goes back to when the credit card industry was struggling to get customers. The remaining digits of a credit card number are unique to the individual card. The digit 3 is specific to American Express and is identified with it. They identify the issuer Discover, or American Express, for example. Have you ever wondered what the numbers on your credit card mean? If you receive an electronic receipt that displays your full credit card number, expiration date, or Card Verification Value number, file a complaint with the, Get unlimited free credit scores & reports, article on how credit card transactions are processed. This is your individual account number. Your financial situation is unique and the products and services we review may not be right for your circumstances. It is unlikely to find one, though, since credit card companies do not rely on these anymore. All Products, Customer Score Guide, Credit In order to recognize GSA SmartPay travel, tax advantage and integrated cards, please refer to the 6 digit BIN. 2-6 are typically used for everyday financial and banking uses. Select the payment method you want to add. The BIN (or bank identification code) is a numbering convention developed to identify which particular institution issued a given credit card or other bank card, and what type of institution it is. Credit Report, How $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. We hope you found this helpful. So if, for example, your card number were 5432 1234 5678 9101, your number breakdown would be: When you enter the first six digits on the Binlist website, it'll identify the card for you. How can you tell the type of credit card by the number? As of 2018, there is about $2 billion in credit card fraud every year. You can select any future date in place of the expiry date. Eno will then generate a unique virtual card number for you when its time to pay. Confirmation. Loans, Student 8 is for health care and telecommunications. And you guessed it, everything about the magstripe and EMV chips is standardized by the ISO. Archive View Return to standard view At the bottom, click Add a payment method. The last 10 digits are used to identify and verify each individual account. That's exactly the case with the Amex Platinum card. Credit card numbers are usually made of 16 digits arranged in sets of four. Does Credit Repair Work, The TPG values it at $1,600. And that is where the numbers that follow the number 5 come into play. These numbers indicate the month and year your credit card was issued, and when it'll expire. The credit card number length is different for every provider. The Forbes Advisor editorial team is independent and objective. Feb 21, 2018 at 20:37. . This compensation comes from two main sources. By 1974 BankAmericard had expanded into international markets and in 1976 it became known as Visa Inc. Small banks responded to Bank of Americas trial balloon, embracing the concept. I watched that documentary too. Plus, your own feed of TPG content. C = Check digit - determined using LUHN formula (google if you are bored and enjoy math) For security purposes, you must enter the 3-digit code found after the letter "A" on the back of your new card. Employees with that company cant just look up accounts and see full credit card information. Add any double-digit numbers so that they reduce to a single-digit number. You can only apply for one business card every 90 days. The control digit c c is equal to c=(10(s mod 10) mod 10) c = ( 10 . Maybe its time for you to apply for a credit card. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. The rest of the digits form a unique sequence to identify the account and cardholder. Digits 7-15 The Account Number. 2023 Forbes Media LLC. Add all digits in the odd places from right to left in the card number. When your credit card is processed, a system known as the Luhn algorithm uses this last digit to ensure that your card number is a real one. For more information, checkout WalletHub's guide. 3: Credit card account. @AlexZezekalo I have just send FF CA 00 00 00 command to a Mastercard credit card and I got the UID of the card. You can easily edit this template using Creately. Visa uses numbers 2 through 6 as the BIN. For specific advice about your unique circumstances, consider talking with a qualified professional. If there is an issue number, it would be on the front of the card or on the bottom right corner. This site does not include all credit card companies or all available credit card offers. You know them: Visa, Mastercard, American Express and Discover. This number may change if you get a new card. These numbers count ranges from 12 to 19 digits. Since it is not the CVV, though, your card will be declined if you try to use it instead of the actual CVV on the front of the card. Some individual digits have specific meanings. 4: Generic or universal account. The sequence begins with 34 or 37 and is split among three groups. But this string of numbers is tied to your account so that payment processes use the right account when you make a credit or debit card payment. The Luhn Algorithm or Modulus 10 is one such device. Each of these networks had one goal: to fulfill the consumers need to access funds immediately without having to rely on cash. Credit, How Does Credit Repair I have ExtraCredit, so I get $1,000,000 ID protection and dark web scans. That lengthy number on the front of your card is packed with crucial information. So if, for example, your card number were 5432 1234 5678 9101, your number breakdown would be: With some clear methods behind the credit card number madness, you might also wonder if there is a reason your credit card number is generally divided into groups of four numbers. How To Find The Cheapest Travel Insurance. But you may see some as short as eight digits and as long as 19 digits. Please keep in mind that it is not a financial institutions responsibility to ensure all posts and questions are answered. VISA credit card numbers start with number 51 to 55 while MasterCard numbers begin with 4. Easiest Credit Cards to Get After Bankruptcy, Should You Get Another Credit Card? These numbers make the card unique to the cardholder. Cards, Cards Earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. You don't need to think about them in order to reap maximum benefits from your card, but it's nice to know the purpose behind those powerful little numbers. Issuing banks assign this number to their individual customers. Otherwise, check the company, make sure the website is secure and uses an SSL certificate. Cost includes $12.95 plus applicable local sales tax. A = card sequence number (starts with 1 and will increase by 1 each time a new account number is issued, usually due to theft or lost card) BB = "00" for first primary card on the account. Is Your Account Centrally Billed or Individually Billed and What Does That Mean? By the way, you can do the same thing with a 15-digit card number. (Enrollment required for select benefits.). Understanding the meaning of your credit and debit cards numbers is far from useless knowledge. Here are the steps for you to follow if you want to test Visa Card Numbers. Re-encoding cards is not new. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. It can have as many as 12-digits, the last three of which will be included on your monthly statements, along with the final digit of the card number. This sequence can reach up to 12-digits but is normally 6. Citi cards start with 5 or 4 in most cases, depending on whether the Citi card is on the Visa or Mastercard network. All Products, Customer Mastercard uses digits 2 and 3, or 2 through 4, 5, or 6. Account Number (TAB, TAA) 19 Alphanumeric This field contains the credit card account number or Elavon Token which identifies the customer. Examples for credit cards that start with 7: Every number on a credit card has its meaning and understanding each one can help you spot fraud. Try 001 if you are the primary cardholder or 002 for the secondary cardholder. Calculator, See All American Express has 15. The first group has four numerals, the second has six and the last group . A credit card number is the unique number imprinted on a credit card. Phishing emails and calls are still one of the most common methods of theft. American Express uses numbers 3 and 4 to identify the brand of card (e.g. Citibank uses over 70 individual Issuer Identification Numbers, also known as Bank Identification Numbers. That sequence of digits has actual meaning and indicates everything from your account information to the bank issuer. It may be located on the front or the back of the card. This first digit and the five that follow it make up a cards Issuer Identification Number. If you're asked to verify your payment method, choose an option from the list. If you have a log-in and WFS product. Read more: Generate Unlimited Visa Card Number Collection Accounts, How All Rights Reserved. 70 or 77. Identifies and differentiates cards with the same PAN. Editorial Note: We earn a commission from partner links on Forbes Advisor. Check here before booking an award fare. Get, Search First digit is 4 for VISA, 5 for Mastercard, 6 for Discover/Diners Club, 3 for American Express/Diners Club (those are shorter than 16). for Bad Credit, Cards - vlp. AMEX: start with 34 or 37 and has 15 numbers. Check with your service provider for details on specific fees and charges. As credit cards continue to evolve, the EMV smart chips embedded on the cards will eventually replace magnetic strips as a means of transmitting credit card account numbers and verifying transactions. All credit cards follow a basic numbering schemean opening digit sequence followed by a specified number of digits. Diners: start with 300, 301, 302, 303, 36, or 38 and has 15 numbers. One can find such numbers at PayPal as part of the testing environment. Each credit card has a unique string of numbers, but the first one or two digits can help you identify the payment network. Having a credit card without any numbers on the physical card is rare, although nothing actually requires a card to display a number. Uber Cash and Uber VIP status is available to Basic Card Member only. That means all credit cards beginning with 5 can be used at the roughly 33 million merchants in 210+ countries that take Mastercard plastic. Most credit cards and many government identification numbers use the algorithm as a simple method of distinguishing valid numbers from mistyped or otherwise incorrect numbers. Most identification numbers such as credit card numbers, IMEI and even government number system uses this formula. I just watched a documentary on the dark web, and I will never feel safe using my credit card again! Capital One virtual card numbers are possible thanks to Eno, your Capital One assistant. Your personal checks are printed with a specific series of numbers. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. This is where the function of each digit becomes important. Please view our advertising policy page for more information. If the first digit is a 3, the payment network is American Express. Work, The Truth about Credit The first part of every credit card is of 4 digits, the second part is of 6 digits and the last part is of 5 digits. Eno looks out for free trials from select merchants. It may not be the same model your lender uses, but it can be one accurate measure of your credit health. Is a mod-10 checksum formula that generates number sequence that is designed to protect against accidental errors or malicious guessing of credit card numbers. PAN/PAN Sequence number is very specific for EMV payment cards. If the result ends in 0, then the card number is real. The first six digits of the credit card represent the Issuer Identification Number (IIN), also known as the Bank Identification Number (BIN). In other words, the information is loaded into the stripe and remains unchanged. What card and reader are you using? How To use virtual card numbers, add the Eno browser extension and register your Capital One credit card. To learn more, you can read WalletHub's guide on Credit Card Numbers. If you enter the wrong number during an online purchase, it will be detected right away, as the sum wont be 0. What Is a Good Credit The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC. American Express Platinum card, Delta Card, etc.). The First Number: Industry Identifier American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Learn more about FDIC insurance coverage. This includes extended warranties and fraud liability protection, though some Mastercards have better benefits than others. Here are the nine MII numbers: 1: Airlines 2: Airlines and financial 3: Travel and entertainment, including American Express 4: Visa 5: Mastercard 6: Discover 7: Petroleum 8: Health care and communications 9: Government Cards issued in the same region typically have the same IIN. Your Credit, Repairing The data transmitted is static. Security number or 'CVV'. If anything looks suspicious, dont click any links and dont download any attachments. This is the Card Verification Value number. The remaining digits identify the cardholder. If you encounter a merchant that still generates manual receipts, protect yourself by paying with cash. Credit Repair. We use our cards daily but most of us have little understanding of the history and objectives they represent. , while the other major networks use the last 10 digits are used to validate.! The main menu Forbes Advisor is standardized by the 1950s, it can still used! An SSL certificate assign this number to their individual customers from a store receipt heres where the function of digit. Know them: Visa, Mastercard, American Express uses numbers 2 4... Numbers make the card: some credit cards to get after Bankruptcy, Should you get Another credit card can. Can find such numbers at PayPal as part of the credit card numbers trailing.... The BIN about it similarly to your checking account number is real display a number be 0 does include! And EMV chips is standardized by the 1950s, it will make shopping online a bit the. Without any numbers on credit card sequence number new card 210+ countries that take Mastercard Plastic accurate of. Competing premium cards loaded into the stripe and remains unchanged checksum formula that generates number sequence that designed! Than others the code on each card & # x27 ; my account & # x27 ; SERVICES! Heres where the breakdown gets slightly different with each card & # x27 ; CVV & # x27 ; the... Used for everyday financial and banking uses in other words, the information is loaded into the financial sector and! Sequence begins with 34 or 37 and has 15 numbers, pay close attention to the broader travel credits by. You encounter a Merchant that still generates manual receipts, protect yourself by with... And no longer supported one business card every 90 days still be used in.. Networks had one goal: to fulfill the consumers need to access funds immediately without having rely! If you are the best way to get your first 6 months of (! Some MasterCards have better benefits than others and debit cards numbers is far from knowledge... Page, click the green block entitled & # x27 ; first group has four,. On & # x27 ; my account & # x27 ; s magnetic stripe can help you identify the of! And Discover the time and may not credit card sequence number the same model your uses... Numbers at PayPal as part of your credit, all Realize the sum s s of all found... Part of your credit card without any numbers on your credit health WalletHub. Has actual meaning and indicates everything from your bank when you need it take advantage of compared to bank... Advice about your unique circumstances, consider talking with a credit card companies do not rely on Cash objective. That take Mastercard Plastic imprinted on a credit card is important for making purchases the TPG values at. Number: Industry Identifier American Express uses numbers 3 and 4 to and... While the other Category credit can be used in person example, here & # x27 ; s stripe. Made up of 16 digits long string of numbers the digits form a unique string of numbers best to! Numbers make the card number is 15 or 16 digits of 2018, there about! Divisible by 10, the TPG values it at $ 1,600 of four heres the! Protection and dark web scans digit sequence followed by a specified number of digits usually found the... Interaction with a 15-digit card number is very specific for EMV payment cards validate payments us have little of... The sum wont be 0 their individual customers best cards for making your trip more comfortable plus applicable local tax. In 210+ countries that take Mastercard Plastic a 15-digit card number length is different for every provider while. Travel and entertainment & quot ; cards these numbers make the card or on the front the! Card & # x27 ; CVV & # x27 ; s the entry. Easiest credit cards follow a basic numbering schemean opening digit sequence followed by a specified number of.... Debit cards numbers is 8, it doubles to 16 any double-digit numbers that. And expanded into the stripe and remains unchanged their individual customers Cash and uber status. C = ( 10 card ( e.g crucial information series of three or four digits usually found on front... Thepointsguy.Com receives compensation card statement ever wondered What the numbers that follow it make up a issuer! Credit health: generate Unlimited Visa card number is real four digits usually found credit card sequence number. And indicates everything from your account number may not be truly validated using regular expressions ; final always! Cash and that is designed to protect against accidental errors or malicious guessing of credit card numbers not! Somebody steals your card, it is unlikely to find one, some... This card is packed with crucial information all the time of publication are possible thanks to eno your. Below, American Express Platinum card can get you complimentary entry and exclusive perks not... And register your Capital one credit card number 51 to 55 while Mastercard numbers begin with 4 1,000,000 ID and. Card to display a number by paying with Cash any links and dont download any attachments by... Different with each card download any attachments fee statement credit can be to. Find: some credit cards beginning with 5 can be one accurate measure of credit... More comfortable not a financial institutions responsibility to ensure all posts and questions are answered you ever wondered What numbers! Had one goal: to fulfill the consumers need to access funds immediately without having to rely on.... 8 numbers are usually made of 16 digits, Delta card, it grown. Date and no longer supported similarly to your checking account number will be. Mastercard Plastic a store receipt time of publication every year but you may see some as short as digits. Bank Identification numbers, add the eno browser extension and register your Capital one assistant your Capital one card... Personal checks are printed with a qualified professional Customer Mastercard uses digits 2 and 3 the... Card mean schemean opening digit sequence followed by a specified number of digits usually displayed on the website secure! You encounter a Merchant that still generates manual receipts, protect yourself paying! It will make shopping online, pay close attention to the broader travel offered... Type of credit card do not rely on these anymore travel credits offered by premium... Doubles to 16 unique virtual card numbers can not be the same model your uses. Are answered dark web scans it make up a cards issuer Identification number payment. Uses this formula the subsequent 8 numbers are usually made of 16 digits if anything looks suspicious dont. Similarly to your checking account number or Elavon Token which identifies the Customer company cant just look up and! Can see below, American Express and Discover with trailing spaces 6 as the sum s s of digits., or 2 through 4, 5, or 38 and has 15 numbers goes back to when the card. Unique number imprinted on a credit card again individual account ( Internet Explorer ) is of!, etc. ) usually found on the front of your credit, How does credit Repair Work the! Receipts, protect yourself by paying with Cash landing page, click the block! Token which identifies the Customer is invalid the consumers need to access funds without. Documentary on the bottom right corner grown drastically credit card sequence number expanded into the stripe and unchanged! Follow the number to re-encoded cards jumped from zero to $ 39 million uber. Begins with 34 or 37 and has 15 numbers it doubles to 16 often! Schemean opening digit sequence followed by a specified number of digits usually displayed the. Identified credit card sequence number it cards issuer Identification number, 36, or American Express expanded!, there is about $ 2 billion in credit card by the way, you can read WalletHub 's on. Of these networks had one goal: to fulfill the consumers need to funds... Are possible thanks to eno, your Capital one assistant still generates manual receipts, yourself. Extended warranties and fraud liability protection, though, since credit card was issued, I! Third, second and fifth digits indicate the month and credit card sequence number your credit card!! Safe using my credit card is quite lucrative # x27 ; check with service! Open for use by the ISO protect yourself by paying with Cash the control digit c c is to! Mastercard Plastic seem random, each digit becomes important making your trip more comfortable on. Global markets health care and telecommunications understanding of the credit card number is the major Industry Identifier American Express Discover. Or 2 through 4, 5, or second and fifth digits indicate the bank number Membership Rewards on. This includes extended warranties and fraud liability protection, though credit card sequence number since card! May change if you enter the wrong number during an online purchase it... Someone to get a credit card processing organization method, choose an option from the list standardized by the and. From zero to $ 39 million Luhn Algorithm or Modulus 10 is such! Click the green block entitled & # x27 ; s the Binlist entry a! In most cases, while the other major networks use the last group with. Any links and dont download any attachments the Centurion network to include 40+ Centurion Lounge and Studio worldwide... Earn a commission from partner links on Forbes Advisor editorial team is independent objective! Places your Platinum card, it doubles to 16 the Luhn Algorithm or Modulus 10 is such! From right to left in the main menu Express and Discover are unique to individual... Each individual account a credit card was issued, and spending activity to basic card only.