Depending on whether you use a credit card, you may need to know your account number in order to pay your bill or gain access to your account data. Fortunately, locating your account number is simple, whether or not you have your credit card on hand.
Method 1 Locating the Account Number on Your Card
1. Locate the number that is printed on the front of your credit card. Your credit card number should be printed or embossed in raised numbers across the front of your card, as shown in the example below. In most cases, this is a 16-digit number, though it can be anything from 12 to 19 digits in length.
2. You can skip past the first six numbers on your playing card. Here’s what you need to know about the Issuer Identification Number (IIN), also known as the Bank Identification Number (BIN). This number informs merchants about the type of card you are using and which bank issued the card on your behalf. It should be noted that this information is not considered to be a part of your account number.
If you have a major credit card company that issued your card, the first number of your IIN is determined by that company. For example, all Visas begin with the number 4, whereas all Mastercards begin with either the number 5 or the number 2.
3. Leave out the last number on your credit card. The last digit on your card is referred to as a check digit, and it does not form part of your account number in any way. In order to determine whether or not a credit card number is authentic, credit card processors use an algorithm known as the LUHN Formula. For the formula to work, the numbers on your card are multiplied and added together, and the check digit is included so that the final sum is divisible by 10.
4. Make a note of the remaining numbers in order to locate your account number. Once you have removed the IIN and check digit from the equation, the remaining numbers will represent your account number. A 9-digit account number should be used in conjunction with a 16-digit credit card number.
Method 2 Looking up Your Account Number without a Card
1. If you receive a paper bill, make sure to check your credit card statement. Depending on the bill, your account number may be listed at the top of the bill with your personal information. In order to protect your personal information, some credit card companies only print the last four digits of your account number on your statement for security reasons.
2. If you have the option, you can log into your account online. Many credit card companies now offer online banking as a safe and convenient way for customers to manage their account information and transactions. To find your credit card account number, go to the website of your credit card company, log in, and navigate to your account information.
Depending on whether or not you’ve previously used your credit card company’s online banking service, you may be required to enter your account number in order to create a user account. This means that you will have to contact the credit card company in order to obtain the information you require.
3. Dial the number for the credit card company. If you do not have access to your credit card and you are unable to locate your account number on your statement or online, you should contact your credit card company to obtain your account information. You should be able to find the phone number for your credit card company on your bill, or you can look it up online.
When you call, you will almost certainly be required to provide identifying information to the customer service representative, such as your social security number or mother’s maiden name.
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