4500 Credit Card Type (Visa Credit Card Numbers, IIN/BIN List, Average Credit Limit, and Credit Card Interest and Payoff Calculators)

Do you want to know what type of credit card starts with 4500? So did we, and we have the results for every kind of 4500 credit card.

Every credit card number has 15 or 16 digits, which might seem like a random string of digits, but they are unique numbers. The digits on a credit card identify the cardholder and reveal the type of card, the card issuer, and the primary account number. The last digit on the card, called a check digit, is used to verify that you entered all the other digits correctly. So, credit card numbers are not just random strings of digits – they contain a lot of valuable data.

What type of credit card starts with 4500? (Identify the card using the first digit)

A credit card starting with 4500 is always a Visa card. From our list of 4500 BIN numbers further below, we also know that 31 different banks and financial institutions issue 4500 cards.

How do we know a 4500 card is a Visa? The first digit of every card serves as a Major Industry Identifier (MII) and indicates the card’s network. In our case, the first number on the card is a 4, which means the card is a Visa. If the first digit is a 3 it is an American Express, Diner’s Club, Carte Blanche, or a JCB card. When the debit or credit card starts with a 2 or a 5, it’s a Mastercard, while a Discover card’s first digit is a 6. Cards that start with the number 1 belong to the airline industry, while gasoline companies issue cards beginning with 7.

What do the rest of the card numbers mean?

Now that we know a credit card beginning with 4500 is a Visa card issued by one of 31 different banks and financial institutions, we can decipher what the rest of the digits mean. The 2nd through 6th digits indicate the card issuer and the type of credit card. Unfortunately, we only have 3 of these five digits (‘500’).

Luckily, we can still use the three digits that we do have (‘500’) to determine the 4500 credit card issuer. We can do this by using the card’s first four to six digits, which are called the “Issuer Identification Number” (IIN) or “Bank Identification Number” (BIN number). By looking up the BIN number, we can determine which bank or financial institution issued the card.

BIN/IIN list for Visa issued credit and debit cards starting with 4500

After researching the issue further, we found the answer to what type of credit card starts with 4500. A debit or credit card beginning with 4500 is one of 100 possible types of Visa credit or debit cards issued by 31 different banks and financial institutions.

Below is a detailed BIN/IIN list for the 100 different 4500 credit cards and debit cards. The list includes the card’s BIN/IIN, card network, card type, card issuer, and country of issue.

BINs/IINs from 450000 to 450010 (Types of credit cards and debit cards)

• 450000 is a Visa Gold credit card issued by Unibanca, S.A. in Peru
• 450001 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450002 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450003 is a Visa Infinite credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450004 is a Visa Business credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450005 is a Visa Business credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450006 is a Visa Platinum debit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450007 is a Visa Classic credit card issued by Unibanca, S.A. in Peru
• 450008 is a Visa Gold credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450009 is a Visa Classic credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450010 is a Visa Electron debit card issued by Inteligo Bank, Ltd. in the Bahamas 

BINs/IINs from 450011 to 450020 (Types of credit cards and debit cards)

• 450011 is a Visa Classic credit card issued by Banco Popular in Colombia
• 450012 is a Visa Classic debit card issued by Mongol Post Bank in Mongolia
• 450013 is a Visa Classic debit card issued by Mongol Shyydan Bank in Mongolia
• 450014 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450015 is a Visa Gold debit card issued by Mongol Post Bank in Mongolia
• 450016 is a Visa Business debit card issued by Mongol Post Bank in Mongolia
• 450017 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450018 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450019 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450020 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada

BINs/IINs from 450021 to 450030 (Types of credit cards and debit cards)

• 450021 is a Visa Classic credit card issued by Univerzal Banka A.D. in Serbia
• 450022 is a Visa Electron debit card issued by Univerzal Banka A.D. in Serbia
• 450023 is a Visa Business debit card issued by Univerzal Banka A.D. in Serbia
• 450024 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450025 is a Visa Classic debit card issued by BC Card Co., Ltd. in South Korea
• 450026 is a Visa Platinum credit card issued by FIA Card Services, N.A. (National Association) in the United States
• 450027 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany
• 450028 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany
• 450029 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany
• 450030 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany

BINs/IINs from 450031 to 450040 (Types of credit cards and debit cards)

• 450031 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany
• 450032 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany
• 450033 is a Visa Classic debit card issued by Deutscher Sparkassen Und Giroverband (DSGV) in Germany
• 450034 is a Visa Classic credit card issued by Banco Ripley, S.A. in Peru
• 450035 is a Visa Classic credit card issued by Banco Ripley, S.A. in Peru
• 450036 is a Visa Classic debit card issued by Zaminbank OJSC in Azerbaijan
• 450037 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450038 is a Visa Electron debit card issued by Zaminbank OJSC in Azerbaijan
• 450039 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450040 is a Visa Classic debit card issued by Belarusky Narodny Bank (Belarusian People’s Bank OJSC) in Belarus

BINs/IINs from 450041 to 450050 (Types of credit cards and debit cards)

• 450041 is a Visa Gold debit card issued by Belarusky Narodny Bank (Belarusian People’s Bank OJSC) in Belarus
• 450042 is a Visa Electron debit card issued by Belarusky Narodny Bank (Belarusian People’s Bank OJSC) in Belarus
• 450043 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450044 is a Visa Classic debit card issued by the National Bank of Malawi in Malawi
• 450045 is a Visa Gold debit card issued by Standard Bank Limited Malawi in Malawi
• 450046 is a Visa Electron debit card issued by Standard Bank Limited Malawi in Malawi
• 450047 is a Visa Electron debit card issued by Standard Bank Limited Malawi in Malawi
• 450048 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450049 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450050 is a Visa Classic credit card issued by Citibank, A.S. in Turkey

BINs/IINs from 450051 to 450060 (Types of credit cards and debit cards)

• 450051 is a Visa Gold credit card issued by Citibank, A.S. in Turkey
• 450052 is a Visa Platinum credit card issued by Ziraat Bankasi in Turkey
• 450053 is a Visa Classic credit card issued by Volksbank Romania, S.A. in Romania
• 450054 is a Visa Gold credit card issued by Volksbank Romania, S.A. in Romania
• 450055 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450056 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450057 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450058 is a Visa Gold credit card issued by Banco Bradesco Cartoes, S.A. in Brazil
• 450059 is a Visa Classic credit card issued by Banco de la Produccion, S.A. (Produbanco) in Ecuador
• 450060 is a Visa Gold credit card issued by the Canadian Imperial Bank of Commerce in Canada

BINs/IINs from 450061 to 450070 (Types of credit cards and debit cards)

• 450061 is a Visa Gold credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450062 is a Visa Gold credit card issued by the Canadian Imperial Bank of Commerce in Canada 
• 450063 is a Visa Classic debit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450064 is a Visa Gold credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450065 is a Visa Platinum credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450066 is a Visa Classic credit card issued by FIA Card Services, N.A. in the United States
• 450067 is a Visa Classic credit card issued by FIA Card Services, N.A. in the United States
• 450068 is a Visa Classic credit card initially issued by MBNA America Bank, N.A. in the United States. The current successor bank is Bank of America, N.A.
• 450069 is a Visa Classic debit card issued by Mission Bank in the United States
• 450070 is a Visa Classic debit card issued by Banco Uno, S.A. in El Salvador

BINs/IINs from 450071 to 450080 (Types of credit cards and debit cards)

• 450071 is a Visa Classic debit card issued by Banco Uno, S.A. in El Salvador
• 450072 is a Visa Classic debit card issued by Banco Uno, S.A. in El Salvador
• 450073 is a Visa Classic credit card issued by Zenith Bank Plc in Nigeria
• 450074 is a Visa Gold credit card issued by Zenith Bank Plc in Nigeria
• 450075 is a Visa Platinum credit card issued by Zenith Bank Plc in Nigeria
• 450076 is a Visa Classic debit card issued by Intesa Sanpaolo Banka in Bosnia and Herzegovina
• 450077 is a Visa Electron debit card issued by Intesa Sanpaolo Banka in Bosnia and Herzegovina
• 450078 is a Visa Business debit card issued by Intesa Sanpaolo Banka in Bosnia and Herzegovina
• 450079 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450080 is a Visa credit card issued by Vazcorp Sociedad Financiera, S.A. in Ecuador

BINs/IINs from 450081 to 450090 (Types of credit cards and debit cards)

• 450081 is a Visa Gold credit card issued by Interdin S.A. Emisora y Administradora de Tarjetas de Credit in Ecuador
• 450082 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450083 is a Visa Electron debit card issued by Zuno Bank AG in Czechia
• 450084 is a Visa Classic debit card issued by United Bank, Ltd. in Pakistan
• 450085 is a Visa credit card issued by United Bank, Ltd. in Pakistan
• 450086 is a Visa Gold debit card issued by United Bank, Ltd. in Pakistan
• 450087 is a Visa credit card issued by United Bank, Ltd. in Pakistan
• 450088 is a Visa Electron debit card issued by Eastern Bank, Ltd. in Bangladesh
• 450089 is a Visa Gold debit card issued by the Hongkong and Shanghai Banking Corporation Limited (HSBC) in Sri Lanka
• 450090 is a Visa Classic debit card issued by Zenith Bank Plc in Nigeria

BINs/IINs from 450091 to 450099 (Types of credit cards and debit cards)

• 450091 is a Visa debit card issued by Zenith Bank Plc in Nigeria
• 450092 is a Visa debit card issued by Zenith Bank Plc in Nigeria
• 450093 is a Visa Corporate debit card issued by Zenith Bank Plc in Nigeria
• 450094 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450095 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450096 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450097 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450098 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada
• 450099 is a Visa credit card issued by the Canadian Imperial Bank of Commerce in Canada

We hope this credit card information is a valuable reference source that satisfies your curiosity. Since card numbers constantly change and banks merge or fail, accuracy is not guaranteed.

How many 4500 credit cards and debit cards are there?

As shown in our BIN/IIN list above, there are 100 different 4500 credit and debit cards issued by 31 banks and financial institutions.

What do the final credit card numbers mean? (Primary account number and check digit)

Now that you’ve gotten this far, you might be curious about the other sequence of digits printed on your card. The 7th to the 15th digits are the Primary Account Number (PAN) for most cards. Every debit and credit card number has a unique eight-digit PAN, the most crucial part of the credit card number. The last digit, called a check digit, is used for verification purposes to avoid charging purchases to the wrong card number.

When typing in your card number, it’s possible to mistype a digit or two. That’s why the check number, which is the 16th digit, exists. Check digits are used to validate the authenticity of the card number and for the detection of typos. The card network uses the ‘Luhn Algorithm’ to instantly verify that you entered the numbers correctly while reducing fraud. Since every debit and credit card has a unique string of numbers, the algorithm’s mathematical formula guarantees that only valid card numbers are charged.

Additional card security features include an integrated chip, expiration date, card verification value (CVV), and a linked billing address.

What is the minimum payment on a $4500 credit card balance?

The minimum payment on a $4500 credit card balance is typically around $90, but it depends on your bank’s minimum payment requirements. Standard minimum payments are 1% of the card balance plus interest and late fees or 2% of the card balance.

You must pay a minimum monthly payment to keep your account in good standing and avoid late fees. If you can pay more than the minimum, you will pay off your balance faster and save money on interest charges. Keeping your debt levels low and paying more than the minimum will also help your overall credit score.

Can you pay more than the minimum on a credit card? (Pay off your debt faster)

Yes, you can pay more than the minimum credit card payment. Paying more than the minimum required helps you pay less interest than if you only make the minimum payments. In fact, your credit card payment should equal the entire balance each month, as this will let you avoid paying interest.

Credit card payoff calculator

Our credit card payoff calculator lets you calculate how long it will take to pay off your credit card balance. To use the calculator, enter your credit card balance, interest rate (APR), and monthly payment. Our calculator will then show you how many months it will take to pay off your balance.

We have prefilled the calculator with an example of a card with a $4500 balance, a 21.50% APR, and a monthly payment of $300. With monthly payments of $300, the card will be paid off in 17.63 months (1.47 years).

Ways to pay off your credit card debt

There are several ways to pay off credit card debt, but the best approach depends on your individual circumstances. If you have a large amount of debt, consider a debt consolidation loan or a balance transfer credit card. These options can help you save money on interest and make it easier to pay off your debt. If you have a smaller amount of debt, you can pay it off with a personal loan or by making extra payments on your existing credit cards. 

If you have several different credit cards, paying off the highest interest rate card first is always best. 

Whichever option you choose, ensure you understand the terms and conditions before committing to anything.

What is the average credit card debt?

According to data from the Federal Reserve Bank of New York, the average credit card debt in the United States is $5,769. This figure is based on the Federal Reserve’s Consumer Credit Panel data.

What is 0 percent balance transfer?

A 0 percent balance transfer is when you transfer your credit card balance to another card with a 0 percent introductory interest rate. This lets you avoid paying interest charges during the introductory period, which saves you money. 

Balance transfer card: How does a balance transfer credit card work? 

A balance transfer credit card allows you to transfer the balance of one credit card to another credit card. This can be a valuable way to consolidate multiple credit card balances into one monthly payment or to take advantage of a promotional balance transfer APR with no balance transfer fee. 

To do a balance transfer, you will need to contact the new credit card issuer and provide them with the account information for the credit card you want to transfer the balance from. The issuer will initiate the transfer, and your card issuer will move your balance to the new credit card.

What is a good credit score?

A credit score that is 670 or higher is considered to be a good credit score. A good credit score helps you qualify for the best credit cards, higher limits, and lower interest rates.

Here is how credit card companies interpret different credit scores:

• 800 and up: Excellent
• 740 to 799: Very good
• 670 to 739: Good
• 580 to 669: Fair

What is the average credit limit on a credit card?

According to Experian, the average credit limit as of 2020 was $30,365. While this might seem high, average credit card limits vary by age and credit score, so don’t worry if your credit card’s limit is lower than this amount.

How do I calculate my credit utilization ratio? 

To calculate your credit utilization ratio, you need to know two things. The first is your credit limit, which is the maximum amount of credit your lender has extended to you. Second, you need to know your current balance. This is the amount of money you currently owe on your credit account.

After you have your credit limit and your current balance, divide your current balance by your credit limit to calculate your credit utilization ratio. The resulting number is your credit utilization ratio, which is how much of your available credit you’re currently using. For example, if you have a balance of $500 and a credit limit of $1,000, your credit utilization ratio would be 0.5, which is 50% in percentage terms.

The formula to calculate your credit utilization ratio is:

Credit Utilization Ratio = Current Balance/Credit Limit

A high credit utilization ratio will negatively affect your credit score, so keeping it as low as possible is best. Another option is to apply for a higher credit limit, resulting in a lower credit utilization ratio.

Credit card interest calculator

You can use our credit card interest calculator to estimate how much interest you’ll pay each month. Enter your current balance and interest rate, and the calculator will do the rest.

Remember that your interest charges will vary depending on your payment history and other factors. If you make your payments on time and keep your balance low, you’ll likely pay less in interest than someone with a similar balance who doesn’t pay their bills on time.

How to pay less interest on credit card 

You can do a few things to pay less interest on your credit card. One is to make sure you pay your balance in full every month. This way, you will avoid paying interest on your balance. Another thing you can do is to get a lower interest rate by transferring your balance to a new card with a lower rate. You can also negotiate a lower interest rate with your credit card company. Finally, you can pay off your high-interest debt first and then focus on paying off your other debts.

How to get a lower interest rate on a credit card

There are a few things you can do to try to get a lower interest rate on your credit card. First, you can ask your credit card company for a lower rate. If you have a good payment history with the company, they may be willing to give you a break on the interest rate.

Second, you can apply for a new credit card with a lower interest rate. Be sure to compare rates and terms before you switch cards so you don’t end up with a worse deal.

Finally, remember that making payments on time and keeping your balances low will help keep your interest rates down by building your credit history.

What does APR stand for?

APR stands for Annual Percentage Rate. It’s the rate of interest you’ll pay on any outstanding balances on your credit card account, expressed as a yearly rate.

How to get your first credit card 

If you’re new to the world of credit, you might wonder how to get your first credit card. Here are a few things to keep in mind:

1. Check your credit score. Before you apply for a credit card, it’s a good idea to check your credit score to see where you stand. If you have a good or excellent credit score, you’ll have a better chance of being approved for a card with favorable terms.

2. Consider your options. Many different types of credit cards are available, so it’s important to compare your options and choose the one that best suits your needs.

3. Read the fine print. Once you’ve chosen a card, read the terms and conditions carefully before applying. This way, you’ll know what to expect regarding interest rates, fees, and repayment terms.

4. Use your credit wisely. Once approved for a credit card, it’s essential to use it wisely. That means making on-time payments and keeping your balance low relative to your credit limit. By doing so, you’ll build positive payment history that will help improve your credit score over time.

When does Capital One report to credit bureaus?

Capital One reports to credit bureaus every month. Regular reporting helps keep your credit report up-to-date and accurate.

What is a secured credit card?

A secured credit card is a type of credit card backed by a deposit you make with the issuer. This deposit acts as collateral for the credit line on the card, which means that the issuer will be less likely to lose money if you default on your payments. Secured cards can be a good option for people with bad credit or no credit history, as they can help you build up your credit score over time.

Can you get a credit card without a Social Security Number (SSN)?

Yes, you can get a credit card without a social security number in one of two ways. The first option is to apply for an Individual Taxpayer Identification Number (ITIN), allowing you to apply for most credit cards. The second option is to apply for the few credit cards that do not require an SSN or ITIN, including the Deserve EDU Mastercard for Students, the Oportun Visa Credit Card, and the Tomo Credit Card.

Conclusion: 4500 credit card type? Always a Visa card!

Our results show that 31 banks and financial institutions issue 100 types of 4500 credit and debit cards. We also know that every 4500 credit or debit card is a Visa card.

We hope this credit card information is a helpful resource that satisfies your curiosity. Credit card numbers change, card numbers are re-assigned, and local banks merge or fail, so accuracy is not guaranteed.