How to Crack Credit Card Numbers

A credit card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder’s promise to pay for them. The issuer of the card creates a revolving account and grants a line of credit to the cardholder, from which the user can borrow money for payment to a merchant or as a cash advance.

As you know every credit card comes with “random” 16 numbers, your name and last name, date of expiration and CVV2 code. But you might not know that all these numbers are not random at all. We will show you how to crack those numbers:

Here we have a typical credit card with 16 digits:

4275 3156 0372 5493

Each one of them has a separate meaning and definition.

The first digit refers to Major Industry Identifier or MII and it designates the category of the card issuer:

In our cards case it means that the card has been issued by an organization related to banking & finances.

The first 6 digits are the Issuer Identification Number, which identifies the institution that issued a card.

In our case it is Visa card

The 7th and following digits except the final one are the persons account number. This leaves a trillion possible combinations if the maximum of 12 digits is used. Many cards only use 9 digits.

Our credit card holders account number is 56 0372 549

The final digit is the check digit or cheksum. It is used to validate the credit card numbers using the Luhn algorithm.

So we know that our credit card was issued by Banking or Financial Institution, the card should be a Visa card and that our account number is 56 0372 549. 

But is our card valid or fake? Lets find out

How to crack credit card numbers and validate a credit card

In order to validate a credit card numbers you will need to double every other digit from the right. In our case we will double red digits:

4 2 7 5  3 1 5 6  0 3 7 2  5 4 9 3

As a result we will get:

8 14 6 10 0 14 10 18

Now we need to at those red numbers to undoubled ones but remember that All double digit number are added as a sum of their digits, so 15 becomes 1+5. Lets sum those numbers up:

8 + 2 + 1 + 4 + 5 + 6 + 1 + 1 + 0 + 6 + 0 + 3 + 1 + 4 + 2 + 1 + 0 + 4 + 1 + 8 + 3

= 61

If the final sum is divisible by 10 the credit card number is valid, if not than it’s fake.

61 is not divisible by 10, and our credit card unfortunately is  fake 🙁

Try it yourself and share it with your friends.