You are probably searching for how to know your credit card number if you need to make an urgent payment but have forgotten your credit card number. Thankfully, retrieving your credit card number even when you don’t have the card with you is possible. You can find your credit card number without the card in hand using several methods.
Understanding Credit Card Number and its Components
After you receive your credit card, you will usually see a 16-digit number printed on your card. This number is separated into 4 sets. Each section shares important information about the card, including details about the industry, card issuer and more.
A credit card number is a concoction of various identifiers and account numbers. The first step of how to know your credit card number is learning about these sections and identifiers:
- Major Industry Identifier (MII): The first digit shows the industry (e.g. 1 for airlines and 4 for the banking sector)
- Issuer Identification Number (IIN): The first 6 to 8 digits show the identity of your credit card issuer
- Account Number: The numbers that come after IIN, except the last one is your account number
- Checksum: The last digit of your credit card shows whether your card is valid
Based on the sector and the issuer, the first 6 to 8 digits printed on your card can be similar to another credit card holder. This can only happen if that person has a similar credit card from the same issuer. The last 4 digits, however, cannot be the same as another cardholder in any way.
How to Find Your Credit Card Number Without the Card?
There are three different ways to retrieve your credit card number even when you don’t have physical access to the card. You can find it in your credit card statement or get it from your issuer’s customer care helpline. The only thing you will need to do is to understand the process.
- Get the Number Through Net Banking or Issuer’s Mobile App
You can log on to your credit card account via the net banking option and learn your credit card number quickly. You can also use a mobile app to get the details. Follow these steps to learn your credit card number online:
- Login to your net banking account or the issuer’s mobile app using your credentials
- Navigate to the credit cards section
- Choose your credit card and view the details
Due to safety issues, you won’t find the complete number here. For that, you will need to follow some added steps, like contacting your credit card issuer for their MII and IIN.
- Find Your Credit Card Number in the Card Statement
You can also find your partial credit card number on your credit card statement. Each month, your card issuer will send you the statement online or offline. On the statement, you will be able to find the last 4 digits of your credit card. You can learn about your MII and IIN online since credit card companies don’t print the complete number for security purposes.
- Request Your Number Via Customer Care
Another way to find the credit card number is by connecting with a representative of the credit card company via customer service. To begin this process, you will have to visit your bank’s website or check your welcome kit to find the customer care number. Then, follow these steps:
- Call the customer care number of the issuer
- Ask the representative for assistance regarding your credit card number
- Confirm your identity and other details for verification purposes
- After verification, the representative will provide you with the required information
Once you get the number, you can proceed with the payment that has been pending and requires your credit card number. These ways allow you to retrieve parts of your credit card or the full number with ease. It can also help in case you have stored your credit card number online in your account with various e-tailers or have added your card as a stored payment mode using your laptop or mobile.
Credit cards are a useful financial tool with assorted benefits. Forgetting your credit card at home is a common issue everyone has experienced. This is why you must apply for a card that comes with a powerful app and prompt customer service. The One Credit Card gives you access to both these options, along with many deals and value-added perks.
With this stylish metal credit card, paying your bills becomes extremely convenient as you can automate payments on the mobile app. What’s more, you can earn 5X reward points on the two categories where you have spent the highest each month. You can also get a credit card loan and use the virtual variant of the card for greater security. Apply now to start your journey and make this credit card a part of your wallet.