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    s Visa and Visa-branded debit cards, cash cards; a 5 is MasterCard and MasterCard-branded debit cards, cash cards; and 6 is Discover.

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    If you take a close look at your credit cards, you'll probably wonder what all those numbers stand for. Every digit actually stands for something specific. Let's have a look at each of those numbers in sequence.

    The First Digit

    Gasoline cards, department store cards and phone cards have their own programs.

    The major credit card companies operate on a standardized system for assigning credit card numbers. The first digit in the series will always be a 3, 4, 5 or 6. This number designates the type of card you have. For instance, a 3 means it's a travel and entertainment card, such as American Express or Diners Club. A 4 is Visa and Visa-branded debit cards, cash cards; a 5 is MasterCard and MasterCard-branded debit cards, cash cards; and 6 is Discover.

    The Other Numbers

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    have a look at each of those numbers in sequence.

    The First Digit

    Gasoline cards, department store cards and phone cards have their own programs.

    The major credit card companies operate on a standardized system for assigning credit card numbers. The first digit in the series will always be a 3, 4, 5 or 6. This number designates the type of card you have. For instance, a 3 means it's a travel and entertainment card, such as American Express or Diners Club. A 4 is Visa and Visa-branded debit cards, cash cards; a 5 is MasterCard and MasterCard-branded debit cards, cash cards; and 6 is Discover.

    The Other Numbers

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    The major credit card companies operate on a standardized system for assigning credit card numbers. The first digit in the series will always be a 3, 4, 5 or 6. This number designates the type of card you have. For instance, a 3 means it's a travel and entertainment card, such as American Express or Diners Club. A 4 is Visa and Visa-branded debit cards, cash cards; a 5 is MasterCard and MasterCard-branded debit cards, cash cards; and 6 is Discover.

    The Other Numbers

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    6. This number designates the type of card you have. For instance, a 3 means it's a travel and entertainment card, such as American Express or Diners Club. A 4 is Visa and Visa-branded debit cards, cash cards; a 5 is MasterCard and MasterCard-branded debit cards, cash cards; and 6 is Discover.

    The Other Numbers

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    s Visa and Visa-branded debit cards, cash cards; a 5 is MasterCard and MasterCard-branded debit cards, cash cards; and 6 is Discover.

    The Other Numbers

    American Express and Diners Club use the second digit to identify the company. That means that Diners Club cards will start with either 36 or 38, and American Express cards will lead off with 34 or 37.

    The remaining numbers in the series are used for other purposes, depending upon the card type and issuer. Generally, the numbers grouped after the opening series is the routing number of the bank and the next group is the user's account number. The final digit is special -- a check digit. This is a number calculated by applying a specific formula, and it is used as a fraud check.

    Look At Your Card

    American Express uses

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