Learning about credit cards can be made easy through the use of online credit card generators. These websites produce sample credit card information which is found on actual bank cards. New credit card users or people who are interested in providing services involving these bank cards may find these online resources useful.
They can better understand how credit cards work. Online credit card generators are simple to use as well.
Only a few steps, like choosing the card type in the options dialog box and clicking the “generate button” in the website, are needed to perform. Users can then obtain the required data which can be utilized for both educational and business purposes in a click of the computer mouse.
These websites may also include varying credit card information, depending on the credit card issuer. These companies include mainstream financial organizations like MasterCard, Visa, JCB, Discover, American Express, Voyager, Maestro, and Diners Club. Even defunct international bank cards like Bankcard, enRoute, Laser, Switch, and Solo are also sometimes provided as a card type option for educative purposes.
Learning the Anatomy of a Credit Card for Better Understanding
People who possess credit cards may completely understand that this financial instrument is used for smooth transactions with diverse merchants, both from brick and mortar stores and online retailers.
The American Banking Association released a report in April 2018 stating that there are 364 million active credit card accounts in the United States as of 2017.
In addition, the Boston Federal Reserve’s information released in August 2017 affirmed that nearly 76 percent of American consumers possess at least one credit card.
Credit cards are a type of unsecured loan. The cardholders understand that these bank cards enable them to buy or pay for services through borrowed money.
They will repay this temporary funding later on to the credit card company or issuer which is usually a bank.
Considering that credit cards are commonplace in American society, it is also quite useful if people understand the parts of their bank cards, both their obverse and reverse positions.
Here is a detailed description of these essential details on the credit card:
A) OBVERSE POSITION OF THE CREDIT CARD
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1. CREDIT CARD ISSUER
This is the banking institution or merchant that issued the card. In the example, Mitsuwa Marketplace is the issuer of the credit card.
2. CREDIT CARD NAME
This is the name of a particular credit card. Names of bank cards normally start with the name of the issuing banking institution.
Then, it is followed by the specific card name. In this example, this card’s complete name is the “Mitsuwa Marketplace–JCB International Card”.
3. CREDIT CARD NETWORK
This is the credit card company responsible for deciding where their partnered bank cards can be employed. They also enable the payments made from every bank card user to the merchant via the banking institution.
There are five well-known credit card networks: Visa, MasterCard, Discover, American Express, and JCB. They are usually found on the lower right portion of the credit card. In this example, it is “JCB”.
4. CREDIT CARDHOLDER’S NAME
This is the name of the credit cardholder, and it is embossed on the front part of the credit card. In this example, it is “Taro Mitsuwa”.
5. CREDIT CARD NUMBER
Also known as the Primary Account Number, these are the numerical figures that are related to the credit card and are stored in the magnetic stripe. Hence, when the credit card is swiped on a reader or at a terminal, the number gives details about the credit card’s issuer and network.
The International Organization for Standardization and the American National Standards Institute both assign the credit card numbers.
Credit card numbers usually have 16 digits, but American Express has 15. Other credit cards have only seven digits. In this example, the credit card number is “3566-1401-2345-6789”.
6. EUROPAY-MASTERCARD-VISA (EMV) CHIP TECHNOLOGY
Besides the magnetic stripe found at the back of the credit card, this part of the credit card is another way of holding the cardholder’s details.
The EMV chip technology is the most secure and is a state-of-the-art type of data storage. It provides better protection against credit card frauds.
Its two types are the Chip-and-Signature card (which requires the cardholder’s signature to complete a purchase) and the Chip-and-PIN cards (which require entering a PIN like with debit cards).
EMV chip credit cards usually undergo “card dipping” when the cardholder is paying for his purchases. This happens when the EMV chip-enabled credit card is inserted into a slot of the card reader. The cardholder leaves the bank card there until the reader prompts him to remove it. “Card dipping” is also an alternative to swiping the bank card through a groove like those performed with the magnetic stripes.
This example of a credit card does not have the EMV chip technology. However, most modern credit cards do, and they are found on the middle-left portion of the card’s façade.
7) ACCOUNT OPENING DATE
This is the year when the credit card account was opened. This information is not always shown on credit cards, like in the sample illustration above.
8) CARD EXPIRATION OR EXPIRY DATE
This is the month and year when a new card will be mailed to the cardholder. Users should note that it does not refer to the closing of the credit card account.
In this example, there is no specified month and year provided, except for the template “00/00”.
B) REVERSE POSITION OF THE CREDIT CARD
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1) MAGNETIC STRIPE
This is the black bar at the upper portion of the back of a credit card. Another label for it is the “magstripe.” Composed of millions of small magnetic particles, it carries all the credit card account details of a cardholder. The credit card reader terminal obtains all these details from the magstripe as the credit card is swiped to process a purchase or transaction.
2) CARD VERIFICATION VALUE (CVV) Security Code
This feature of a credit card safeguards cardholders from incidences of fraud. It is employed when performing card-not-present transactions like online shopping that do not need the physical bank card.
For Discover, Visa, and MasterCard, three-digit CVV codes are embossed at the back portion of the credit card. For American Express, there are four digits.
In the example above, the CVV code is the encircled three-digit numbers, “000”.
3) CUSTOMER SERVICE CONTACT NUMBER
This is the telephone number of the credit card issuer’s customer service department. In the sample credit card above, the customer service hotline is “1-800-732-9194”.
The website of the credit card issuer is also provided, which is “www.bankofamerica.com”.
Most credit cards now also include the address, e-mail, personal concierge hotline, and other information for the convenience of the credit cardholder.
4) SIGNATURE BOX
Like the CVV code, the signature of the cardholder which is found in this section is used to check whether they match with their signature on their other identification cards like driver’s licenses.
In this way, merchants will be able to verify whether the person using the credit card is truly the cardholder whose name is embossed on the card.
In the example above, the box is just labeled as “Your Signature”, indicating the section where the cardholder has to write his signature.
5) HOLOGRAM SECURITY FEATURE
This aspect of a credit card prevents it from being physically imitated with a scanner. Containing several layers of an image in various angles, the hologram provides an illusion of some movement.
These are the basic parts of a credit card. Nowadays, there are myriads of alternative credit card designs issued globally. The example above, however, does not contain a hologram.
Using the JCB Online Bank Card Generator for Learning Purposes
JCB is a credit card company based in Tokyo, Japan. Formerly known as the Japan Credit Bureau, the firm’s credit cards are widely used worldwide.
For those interested to learn more about the details for this kind of bank card, they can use the following example websites of JCB online credit card generators:
Here is a sample of the information generated from Keycardgen.com:
Card Number: 3527292044778802
Expiry Date: 04/2023
Card Type: JCB
Cardholder’s Name: Philip Tan
The generated information above presents mock credit card details. Users of this information can employ them to learn more about the basics of credit cards or when using them for business purposes.
These details, however, cannot be used for purchasing items or paying for services because they do not include real credit card numbers that work.
Users should also take note that these websites are not credit card generators with money also produced or generated.
For those who would like to get more information all at once can employ the bulk credit card generator feature of these websites.
Most of them have buttons indicating “bulk generate”. Clicking these icons will yield credit card details in large quantities.
Other credit card generators provide less information. Users of these websites can select which of these resources suit their requirements.