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Visa Visa cards use a very similar formula, although there are a couple of differences.

The first digit assigned to all Visa cards is four, and the second through sixth numbers are connected to the financial institution.

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The next six digits, five through 11, are the number of the account, while the 12th through 14th digits represent the card number within said account.

The final digit is a check digit, which is a random number used to protect against errors and fraud, Jason Oxman, CEO at the Electronic Transactions Association, told the Post-Gazette.

They are a technical resource for programmers – that’s all.

Before you ask no I haven't got anyone's credit card details.

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