Uhlobo lwe-4120 Card Card

Ngabe ufuna ukwazi ukuthi yini amakhadi esikweletu qala ngo 4120? Nathi senze kanjalo, futhi sinemiphumela yalo lonke uhlobo lwamakhadi esikweletu angu-4120. Umhlahlandlela wethu ophelele uwukuphela kwensiza ozoyidinga ukukusiza ukuthi uthole ibhange elikhiphayo noma isikhungo sezezimali kuwo wonke amakhadi esikweletu angu-4120.

Njalo credit card inamadijithi ayi-15 noma ayi-16, okungase kubonakale njengochungechunge lwamadijithi olungahleliwe kuwe, kodwa awuchungechunge lwezinombolo oluhlukile. Ngaphandle kokukhomba ngokukhethekile umnikazi wekhadi, amadijithi asitshela uhlobo lwekhadi, umkhiphi wekhadi, kanye ne-akhawunti ngayinye. Idijithi yokugcina yenombolo yekhadi, ebizwa ngokuthi idijithi yesheke, isetshenziswa abathengisi ukuze baqinisekise ukuthi ufake kahle izinombolo zokuqala eziyi-14 noma eziyi-15 ze Inombolo Yekhadi Lesikweletu. Kunokuba zibe uchungechunge lwamadijithi olungahleliwe, izinombolo zekhadi lesikweletu zinenani elikhulu ledatha ebalulekile equkethwe kuzo.

Iliphi Ikhadi Lesikweletu Eliqala Ngo-4120?

Idijithi yokuqala yekhadi, engu-4 kithi, ikhombisa credit card inethiwekhi. Inombolo yokuqala ekhadini lesikweletu ibizwa ngokuthi I-Major Industry Identifier (MII) embonini yamakhadi, kodwa iyidijithi yokuqala nje yawo wonke umuntu. Njengoba idijithi engu-'4' MII ihlale ihambisana nekhadi le-Visa, ikhadi lesikweletu elingu-4120 liyi- Ikhadi le-Visa!

Uma idijithi yokuqala ingu-3 yikhadi le-American Express, ikhadi le-Diner's Club, ikhadi le-Carte Blanche, noma ikhadi le-JCB. Uma idijithi yokuqala ingu-2 noma u-5, iyi-Mastercard, kuyilapho idijithi yokuqala yekhadi le-Discover ingu-6. Sixazulule impicabadala yokuqala!

Zisho Ukuthini Zonke Izinombolo Zekhadi Lesikweletu?

Manje njengoba sesazi ukuthi ikhadi lesikweletu le-4120 lihlala liyikhadi le-Visa, singadlulela ekuchazeni ukuthi ezinye izinombolo zisho ukuthini. Kuvela ukuthi amadijithi 2 kuya ku-6 akhombisa okhipha ikhadi kanye ne uhlobo lwekhadi lesikweletu. Ngeshwa, sinezinombolo ezi-3 kuphela zalezi zinombolo ezi-5, i-'120' enombolweni engu-4120 enezinombolo ezine.

Ngenhlanhla sisengakwazi ukusebenzisa amadijithi angu-'120' esinawo ukuze sithole ukuthi ubani okhipha ikhadi lesikweletu ngokusebenzisa u-4120. Kuyathakazelisa ukuthi izinombolo zokuqala ezi-4 noma ezingu-6 ze- Ikhadi lesikweletu libizwa ngokuthi “Inombolo Yesibonakaliso Somhlinzeki” (IIN), ngezinye izikhathi ebizwa ngokuthi “Inombolo Yomazisi Yebhange” (inombolo ye-BIN). Singabe sesisebenzisa lezo zinombolo zenombolo yekhadi ukuze sibheke ukuthi yiliphi ibhange noma isikhungo sezezimali esikhiphe ikhadi.

Uhlu lwama-BIN/IIN wamakhadi esikweletu namakhadi edebhithi aqala ngo-4557

Ngemuva kokucwaninga le nkinga, sithole impendulo yemfihlakalo yohlobo lwekhadi lesikweletu engu-4120. Kuvela ukuthi ikhadi elingu-4120 lizohlala lingu-1 kumakhadi wesikweletu we-Visa noma wedebithi angama-100. Uzokuthola ohlwini lwethu oluwusizo lwekhadi lesikweletu futhi I-debit card izinombolo. Le nsiza iwumthombo obalulekile wolwazi lwekhadi lesikweletu.

Ngezansi kunemininingwane ye-BIN/IIN, okuhlanganisa namabhange nezikhungo ezikhiphayo, kuwo wonke amakhadi esikweletu nawedebithi angu-100 ka-4120:

Ama-BIN/IIN kusuka ku-412000 kuya ku-412010 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412000 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412001 iyikhadi lesikweletu le-Visa Corporate elikhishwe i-Wells Fargo Bank, i-NA (Inhlangano Kazwelonke) e-United States
• 412002 iyikhadi lesikweletu le-Visa Platinum elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412003 iyikhadi le-Visa Prepaid debit elikhishwa e-Chile
• 412004 iyikhadi lasebhange le-Visa Classic elikhishwe i-Wells Fargo Bank Nevada, NA e-United States
• 412005 iyikhadi lasebhange le-Visa Classic elikhishwe uJones National Bank kanye ne-Trust Company yaseSeward e-United States
• 412006 iyikhadi lasebhange le-Visa Classic elikhishwe i-F&M Bank yase-United States
• 412007 iyikhadi lasebhange le-Visa Classic elakhishwa i-Credit Union One yase-Kansas e-United States. Inyunyana yamanje elandela izikweletu yi-Azura Credit Union.
• 412008 iyikhadi ledebithi le-Visa Classic elikhishwe yi-First National Bank of Hugo e-United States
• 412009 iyikhadi lasebhange le-Visa Classic elikhishwe yi-First National Bank yase-Dalhart e-United States
• 412010 yikhadi lesikweletu le-Visa elikhishwe e-United States

Ama-BIN/IIN kusuka ku-412011 kuya ku-412020 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412011 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412012 iyidebhithi ye-Visa Classic ekhishwe yi-ITS Bank e-United States
• 412013 iyikhadi lesikweletu le-Visa Platinum elikhishwe i-Safe Federal Credit Union e-United States
• 412014 yikhredithi ye-Visa Classic ekhishwe yi-Sacramento Credit Union e-United States
• 412015 yikhadi lesikweletu le-Visa Classic elikhishwe iCitizens Independent Bank e-United States
• 412016 iyikhadi lesikweletu le-Visa Platinum elikhishwe yi-Westmark Credit Union e-United States
• 412017 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Westmark Credit Union e-United States
• 412018 iyikhadi le-Visa Prepaid debit elikhishwe eSierra Leone
• 412019 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412020 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States

Ama-BIN/IIN kusuka ku-412021 kuya ku-412030 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412021 iyikhadi lasebhange le-Visa Classic elikhishwe yi-Clear Mountain Bank e-United States
• 412022 yikhadi lasebhange leVisa Classic elikhishwe yiFirst Interstate Bank eMelika
• 412023 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412024 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Evertrust Bank yase-United States
• 412025 iyikhadi lasebhange le-Visa Classic elikhishwe yiBhange Lezohwebo Nezolimo (i-BAC Community Bank) e-United States
• 412026 iyikhadi lesikweletu le-Visa Gold elakhishwa i-West Coast Bank e-United States. Ngo-2013 iWest Coast Bank yatholwa yi-Columbia State Bank. Ibhange elikhona njengamanje yi-Columbia State Bank.
• 412027 iyikhadi lesikweletu le-Visa elikhishwe i-Valores Internacionales, SA e-Guatemala
• 412028 iyikhadi lesikweletu le-Visa elikhishwe yi-ANZ America Samoa Bank e-American Samoa
• 412029 iyikhadi ledebithi le-Visa Classic elikhishwe yi-PNC Bank, NA e-United States
• 412030 iyikhadi lasebhange le-Visa Prepaid elikhishwe i-Zenith Bank (Ghana), Ltd. yaseGhana

Ama-BIN/IIN kusuka ku-412031 kuya ku-412040 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412031 iyikhadi lasebhange le-Visa Prepaid elikhishwe i-Zenith Bank (Ghana), Ltd. yaseGhana
• 412032 iyikhadi lasebhange le-Visa Prepaid elikhishwe i-Zenith Bank (Ghana), Ltd. yaseGhana
• 412033 iyikhadi lasebhange le-Visa Classic elikhishwe yi-Hillcrest Bank, NA e-United States
• 412034 yikhadi lasebhange leVisa Classic elikhishwe yiTruist Financial Corporation eMelika
• 412035 iyikhadi lasebhange le-Visa Classic elakhishwa i-Cass County Bank yase-United States. Ngo-2019 iCass County Bank yahlanganiswa neCitizens State Bank. Ibhange elikhona njengamanje yiCitizens State Bank.
• 412036 iyikhadi ledebithi le-Visa Classic elakhishwa iNapa National Bank e-United States. Ngo-2000 iNapa National Bank yahlanganiswa neWells Fargo Bank. Ibhange elikhona njengamanje yi-Wells Fargo Bank.
• 412037 iyikhadi ledebhithi le-Visa Gold ekuqaleni elakhishwa i-Greater Bay Bank, NA e-United States. Ngo-2008 i-Greater Bay Bank, i-NA yahlanganiswa ne-Wells Fargo Bank. Ibhange elikhona njengamanje yi-Wells Fargo Bank.
• 412038 iyikhadi ledebithi le-Visa Classic elikhishwe ekuqaleni yi-California Pacific Federal Credit Union e-United States. Ngo-2012, i-California Pacific Federal Credit Union yehlulekile futhi yahlanganiswa nosizo lwe-NCUA.
• 412039 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-USAA Savings Bank e-United States
• 412040 iyikhadi lesikweletu le-Visa Platinum elikhishwe yi-United Pacific Bank e-United States

Ama-BIN/IIN kusuka ku-412041 kuya ku-412050 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412041 iyikhadi lesikweletu le-Visa Classic elikhishwe i-Ikano Bank AB (publ) yase-United Kingdom
• 412042 iyikhadi lasebhange le-Visa Classic elikhishwe yiCitizens Bank yase-Las Cruces e-United States
• 412043 iyikhadi ledebhithi le-Visa Electron elikhishwe yi-BC Moldindconbank, SA eMoldova
• 412044 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Tongass Federal Credit Union e-United States
• 412045 iyikhadi lasebhange le-Visa Classic elikhishwe i-PNC Bank, NA e-United States
• 412046 iyikhadi lasebhange le-Visa Classic elikhishwe yi-Utah Community Federal Credit Union e-United States
• 412047 iyikhadi lasebhange le-Visa Classic elakhishwa i-Placer Sierra Bank yase-United States. Ngo-2007 i-Placer Sierra Bank yahlanganiswa ne-Wells Fargo Bank. Ibhange elikhona njengamanje yi-Wells Fargo Bank.
• 412048 iyikhadi lasebhange le-Visa Classic elikhishwe yiBhange Lomphakathi laseNevada e-United States. Ngo-2009 iBhange Lomphakathi laseNevada lahluleka futhi lathathwa ukuze liqedwe yi-FDIC ngeDeposit Insurance National Bank yaseLas Vegas. I-Community Bank of Nevada yaqedwa ngo-2009.
• 412049 yikhadi lesikweletu le-Visa elikhishwe yiRoyal Bank yaseCanada eCanada
• 412050 yikhadi lesikweletu le-Visa elikhishwe yiRoyal Bank yaseCanada eCanada

Ama-BIN/IIN kusuka ku-412051 kuya ku-412060 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412051 iyikhadi lesikweletu le-Visa elikhishwe eFrance
• 412052 iyikhadi lasebhange le-Visa Classic elikhishwe yiBhange lase-Oklahoma, NA e-United States
• 412053 iyikhadi lasebhange le-Visa Prepaid elikhishwe i-Zenith Bank PLC yaseNigeria
• 412054 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Tongass Federal Credit Union e-United States
• 412055 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412056 yikhadi le-Visa Corporate elikhishwe yi-Columbus Bank kanye ne-Trust Company e-United States
• 412057 iyikhadi ledebithi le-Visa Business elikhishwe yi-Clackamas County Bank e-United States
• 412058 iyikhadi lesikweletu le-Visa Classic elikhishwe i-Hypo Alpe-Adria-Bank DD yase-Croatia
• 412059 iyikhadi lasebhange le-Visa Classic elikhishwe i-Umpqua Bank e-United States
• 412060 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Merrick Bank yase-United States

Ama-BIN/IIN kusuka ku-412061 kuya ku-412070 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412061 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Merrick Bank yase-United States
• 412062 iyikhadi lesikweletu le-Visa Classic elikhishwe yi-Merrick Bank yase-United States
• 412063 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412064 yikhadi lesikweletu le-Visa Business elikhishwe yiBankers Bank of the West e-United States
• 412065 yikhadi le-Visa Classic elikhishwe yi-Compass Bank e-United States
• 412066 iyidebhithi ye-Visa Prepaid ekhishwe yi-Compass Bank e-United States
• 412067 iyidebhithi ekhokhelwa i-Visa ekhishwe yi-Bank of America, NA e-United States
• 412068 iyikhadi lasebhange le-Visa Classic elikhishwe yi-SkyOne Federal Credit Union e-United States
• 412069 iyikhadi lasebhange le-Visa Classic elikhishwe yiCitizens Savings Bank e-United States
• 412070 iyikhadi lasebhange le-Visa Classic elakhishwa okokuqala yi-US Engineers LA Federal Credit Union e-United States. Le nyunyana yezikweletu ihlanganiswe ne-LA Federal Credit Union. Inyunyana yamanje elandela izikweletu yi-LA Federal Credit Union.

Ama-BIN/IIN kusuka ku-412071 kuya ku-412080 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412071 iyikhadi lasebhange le-Visa Classic elikhishwe yi-Bourns EmployeesFederal Credit Union e-United States
• 412072 iyikhadi lesikweletu le-Visa elikhishwe i-Synovus Bank yase-United States
• 412073 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412074 iyidebhithi ye-Visa Classic ekhishwe yi-Wells Fargo Bank, NA e-United States
• 412075 iyikhadi lasebhange le-Visa Classic elakhishwa yi-CBS EmployeesFederal Credit Union e-United States. I-CBS EmployeesFederal Credit Union yehlulekile ngemuva kokukhwabanisa okukhulu. Inyunyana elandela izikweletu yi-University Federal Credit Union.
• 412076 yikhadi lesikweletu leVisa Classic elikhishwe yiFirst National Bank yase-Omaha e-United States
• 412077 iyikhadi lasebhange le-Visa Classic elikhishwe yi-Columbia State Bank e-United States
• 412078 iyikhadi lasebhange le-Visa Classic elikhishwe ngabakwaFirstrand Bank, Ltd. eNingizimu Afrika
• 412079 yikhadi lesikweletu le-Visa elikhishwe e-United States
• 412080 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States

Ama-BIN/IIN kusuka ku-412081 kuya ku-412090 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412081 iyidebhithi ye-Visa Classic ekhishwe yi-ICBA Bancard yase-United States
• 412082 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412083 iyidebhithi ye-Visa Classic ekhishwe yi-ICBA Bancard yase-United States
• 412084 iyidebhithi ye-Visa Classic ekhishwe yi-Litchfield Bancorp yase-United States
• 412085 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412086 iyidebhithi ye-Visa Classic ekhishwe yi-ICBA Bancard yase-United States
• 412087 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412088 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412089 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412090 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States

Ama-BIN/IIN kusuka ku-412091 kuya ku-412099 (Izinhlobo Zamakhadi Esikweletu Namakhadi Esikweletu)

• 412091 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412092 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412093 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412094 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412095 yikhadi lesikweletu le-Visa elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412096 yikhadi lasebhange le-Visa Classic elikhishwe yi-Wells Fargo Bank, NA e-United States
• 412097 iyikhadi ledebithi le-Visa elikhishwe u-K no-H Bank ZRT e-Hungary
• 412098 iyikhadi lesikweletu le-Visa Classic elikhishwe i-PNC Bank, NA e-United States
• 412099 iyidebhithi ye-Visa Classic ekhishwe yi-ICBA Bancard yase-United States

Mangaki Amakhadi Esikweletu Angu-4120 Namakhadi Emali Akhona?

Imiphumela yethu ibonisa ukuthi kunezinhlobo ezingu-100 ezihlukene zamakhadi esikweletu nawedebithi angu-4120 akhishwa emhlabeni wonke. Sithemba ukuthi lokhu imininingwane yekhadi lesikweletu iwumthombo obalulekile oyisithenjwa lokho kwanelisa ilukuluku lakho. Izinombolo zamakhadi ziyashintsha, futhi amabhange ayahlangana noma ahluleke, ngakho ukunemba akuqinisekisiwe.

Asho Ukuthini Amadijithi Ekhadi Lokugcina? (Inombolo Ye-akhawunti Eyinhloko kanye Nedijithi Yokuhlola)

Manje njengoba usufike lapha, ungase ube nelukuluku lokwazi ukuthi zisho ukuthini amanye amadijithi ekhadini lakho. Idijithi yesi-7 kuye kweye-15 yilezi Inombolo Ye-akhawunti Eyisisekelo (PAN) amakhadi amaningi. Lezi zinombolo eziyisishiyagalombili ze-PAN zihlukile kumphathi we-akhawunti futhi ziyingxenye ebaluleke kakhulu yenombolo yekhadi lesikweletu. Idijithi yokugcina, ebizwa ngokuthi idijithi yesheke, isetshenziselwa izinjongo zokuqinisekisa ukugwema ukukhokhisa okuthengiwe enombolweni yekhadi okungeyona.

Nini uthayipha inombolo yekhadi lakho, kuhlale kwenzeka ukuthi ungathayiphe kahle idijithi eyodwa noma ezimbili. Kungakho inombolo yesheke, okuyidijithi ye-16, ikhona. Amadijithi okuhlola asetshenziswa ukuze kutholwe ama-typos. Inethiwekhi yekhadi lesikweletu iqinisekisa ngokushesha ukuthi yonke into ifakwe ngendlela efanele ngokusebenzisa idijithi yesheke kanye nezinye izingxenye ezandulele zenombolo ye-akhawunti ngefomula yezibalo ebizwa ngokuthi 'i-Luhn Algorithm'.

Imibuzo Ebuzwa Njalo Ngamakhadi esikweletu angama-4120

Abantu bavame ukuba nemibuzo ethile ngamakhadi wesikweletu angama-4120. Nazi izimpendulo zeminye imibuzo ejwayelekile ebuzwa ngabantu.

Ngazi kanjani ukuthi inombolo iyi-Visa noma i-Mastercard?

Ungakwazi ukunquma ukuthi inombolo iyi-Visa noma i-Mastercard ngokubheka idijithi yokuqala yekhadi. Amakhadi e-Visa ahlala eqala ngo-4, kuyilapho i-Mastercards ingaqala ngo-2 noma ngo-5.

Yiziphi izinombolo ezi-4 zokuqala zekhadi le-Visa?

Idijithi yokuqala yekhadi le-Visa ihlale ingu-4. Amadijithi angu-3 alandelayo ekhadi le-Visa ahlukile ebhange noma isikhungo sezezimali esikhiphe ikhadi. Ndawonye, ​​amadijithi angu-4 okuqala ekhadi lesikweletu ayingxenye “Yenombolo Yesibonakaliso Somhlinzeki,” ebuye ibizwe ngokuthi “Inombolo Yesibonakaliso Yebhange.”

Yiziphi izinombolo ezi-6 zokuqala zekhadi le-Visa?

Amadijithi okuqala ayisithupha ekhadi le-Visa abizwa ngokuthi Inombolo Yesibonakaliso Somkhiphi (IIN), eyaziwa nangokuthi Inombolo Yomazisi Webhange (BIN). Njengoba i-BIN ngayinye enezinhlamvu eziyisi-6 ihlukile, i-BIN ingasetshenziswa ukunquma ibhange noma isikhungo sezezimali esikhiphe ikhadi lesikweletu.

Ingabe izinombolo zokugcina ezingu-4 zekhadi lesikweletu zihlukile?

Cha, izinombolo zokugcina ezingu-4 zenombolo yekhadi lesikweletu azihlukile. Amakhadi esikweletu amabili angabelana ngezinombolo ezine zokugcina ezifanayo ezimweni ezimbili: ama-akhawunti ahlangene nama-akhawunti angahlobene. Endabeni yama-akhawunti ahlanganyelwe, izinombolo ezine zokugcina emakhadini zivame ukufana. Esimweni sesibili, munye kwabangu-4,536 ama-akhawunti ekhadi lesikweletu angahlobene azokwabelana ngamadijithi amane okugcina kuyilapho esenenombolo eyingqayizivele yekhadi elingu-15 noma elingu-16.

Nakuba amadijithi amane okugcina ekhadi lesikweletu ahlukile, ayingxenye yenombolo ye-Akhawunti Eyisisekelo enezinhlamvu eziyisishiyagalolunye (PAN) eyingqayizivele. Izinombolo ezine zokugcina zika-a credit card zihlanganisa izinombolo ezintathu kusuka ku-PAN yakho kanye nenombolo yokugcina yedijithi yesheke. Inombolo ye-akhawunti eyinhloko ihlukile kumnikazi wekhadi futhi isetshenziselwa ukukhomba ukuthi ubani owenze umsebenzi. Idijithi yesheke isetshenziselwa ukuqinisekisa ukuthi zonke izinombolo zekhadi ezandulele zifakwe ngendlela efanele. 

Isho ukuthini inombolo yokugcina ekhadini lesikweletu?

Idijithi yesheke yekhadi lesikweletu inombolo yokugcina yekhadi. Idijithi yesheke isetshenziselwa ukuqinisekisa ukuthi wonke amadijithi andulele afakwe ngendlela efanele lapho u-oda ku-inthanethi noma kumthengisi othayipha ngokwenza amadijithi. Amadijithi okuhlola asetshenziswa ngokuzenzekelayo ngefomula yezibalo ebizwa ngokuthi i-Luhn Algorithm. Uma inombolo yekhadi ifakwe kahle, ukuthengiselana kuzodlula.

Siyini isibonelo senombolo yekhadi le-Visa?

Isibonelo senombolo yekhadi le-Visa ngu-4400000000000008. Njengoba amakhadi e-Visa kufanele aqale ngo-4 futhi abe namadijithi angu-16, siyazi ukuthi leli khadi liyisibonelo esivumelekile senombolo yekhadi le-Visa. Izinombolo eziyisithupha zokuqala, ezibizwa nge-Industrial Identification Number (IIN), zingu-440000. Inombolo Ye-akhawunti Eyisisekelo (PAN) ithi 00000000, esetshenziselwa ukwabela idatha yokwenziwe kumnikazi wekhadi ofanele. Okokugcina, idijithi yokugcina, engu-8, iyidijithi yesheke. Idijithi yesheke isetshenziselwa ukuqinisekisa ukuthi izinombolo zamakhadi eziyi-15 ezandulele zifakwe ngendlela efanele.

Ungalisebenzisa yini ikhadi lesipho se-Visa ku-ATM?

Cha, awukwazi ukusebenzisa ikhadi lesipho le-Visa ku-ATM. Nakuba amakhadi esipho e-Visa enama-PIN anezinombolo ezine, lokhu okokuthenga okwenziwa ezitolo, ku-inthanethi, noma ngocingo. Uma ufuna ikhadi lesipho le-Visa elingasetshenziswa njengekhadi le-ATM, qala uhlole iwebhusayithi yekhadi lesipho noma imigomo nemibandela yalo.

Iyiphi inombolo ama-Mastercards aqala ngayo?

Izinombolo zekhadi le-Mastercard zingaqala ngo-2 noma u-5. Nakuba ama-Mastercards amaningi esebenzisa u-5 enombolweni yokuqala, inkampani yaqala ukukhipha amakhadi ano-2 njengenombolo yokuqala ngo-2017.

Mangaki amadijithi inombolo ye-Visa noma ye-MasterCard?

Izinombolo ze-Visa ne-Mastercard zinezinombolo eziyi-16, kanjalo namakhadi e-Discover. Amakhadi e-American Express anezinombolo zamakhadi eziyidijithi eziyi-15, kuyilapho amakhadi e-Diner's Club anezinombolo eziyi-14.

Ingabe zikhona izinombolo zekhadi lesikweletu ezinamadijithi ayi-13?

Bekunezinombolo eziyi-13 zekhadi lesikweletu le-Visa esikhathini esedlule, kodwa zikhona akusasakazwa. Lo mbuzo uvela ngezikhathi ezithile ngoba enye isofthiwe ephelelwe yisikhathi yokucubungula umthengisi isazocela amadijithi ayi-13 Aqinisekiswe yidijithi yokuhlola ye-Visa. Uma udinga inombolo yekhadi lokuhlola le-Visa elinamadijithi angu-13 ngezinjongo zokuqinisekisa, zama ukusebenzisa u-4007000000027.

Ngabe ikhadi leVisa lingaba nezinombolo eziyi-14?

Ikhadi le-Visa alikwazi ukuba namadijithi ayi-14. Ikhadi ngalinye le-Visa linezinombolo zekhadi eziyi-16. Amakhadi e-Diner's Club kanye ne-Carte Blanche yiwo kuphela amakhadi anezinombolo zamakhadi eziyidijithi eziyi-14.

Ingabe amanye amakhadi anamadijithi ayi-15?

Izinombolo zekhadi le-American Express zinezinombolo eziyi-15. Ngakolunye uhlangothi, i-Visa ne-Mastercard zinezinombolo zekhadi eziyidijithi eziyi-16.

Ungakwazi yini ukuvula ikhadi lesikweletu ngaphandle kwenombolo yezokuphepha komphakathi?

Kunezinketho ezimbili zokuvula ikhadi lesikweletu ngaphandle kweNombolo Yezokuphepha Komphakathi (SSN). Inketho yokuqala uku faka isicelo seNombolo Yesibonakaliso Yomkhokhi Wentela (ITIN), okuzokuvumela ukuthi ufake isicelo samakhadi esikweletu amaningi. Inketho yesibili ukufaka isicelo samakhadi esikweletu ambalwa angadingi i-SSN noma i-ITIN, okuhlanganisa i-Deserve EDU Mastercard yabafundi, i-Oportun Visa Credit Card, kanye I-Tomo Credit Card.

Ingabe ikhadi lesikweletu elingenakuthinta liphephile?

Eminyakeni yamuva nje, ubuchwepheshe bokungathinteki obusetshenziswe kumakhadi esikweletu nasezinkonzweni zokukhokha ezifana ne-Apple Pay, i-Google Pay, ne-Samsung Pay sebudlangile. Amakhadi esikweletu angathinteki aphephile ukuwasebenzisa. Ukuze ugweme ukukhokhiswa ngephutha, ungalibambi ikhadi lakho lesikweletu phakathi kwamayintshi angu-4 (10 cm) nesifundi sekhadi.

Iyini inhlawulo ye-APR?

Ungaba ngaphansi kwenhlawulo ye-APR uma ukhokha isikweletu sakho sekhadi lesikweletu ngaphezu kwezinsuku ezingama-60 sekwephuzile. Inhlawulo ye-APR iwukukhuphuka kwezinga lenzalo futhi ingaba ngu-29.99%. Inhlawulo ye-APR ivamise ukusetshenziswa kukho kokubili ibhalansi yakho yamanje nokuthenga okuzayo. Ukuze ugweme ukukhokha inhlawulo ye-APR, qinisekisa ukuthi awulokothi wenze inkokhelo sekwephuzile ngezinsuku ezingaphezu kwezingu-60 futhi njalo ukhokha okungenani inkokhelo encane.

Ngingakwazi ukulikhokha ngokweqile ikhadi lami lesikweletu ukuze nginyuse umkhawulo wami?

Ngokukhokha ngokweqile ikhadi lakho lesikweletu, uzodala ibhalansi engalungile, ukhulise ngempumelelo umkhawulo wakho wesikweletu. Isibonelo, uma unomkhawulo wekhadi lesikweletu lika-$5000 futhi unebhalansi engeyinhle engu-$500 emalini ekhokhiwe ngokweqile, ungasebenzisa imali efika ku-$5,500 ekhadini lakho ngaphambi kokuba weqe umkhawulo wakho.

Ungawenyusa kanjani umkhawulo wesikweletu se-PayPal

Intando ye-PayPal sikumema ukuthi ukhuphule umkhawulo wakho wesikweletu uma ukhokha njalo ngesikhathi, gcina ukusebenzisa kwakho isikweletu kungaphansi kwama-30%, ube nombiko ohlanzekile wesikweletu, futhi ubuyekeze imininingwane yakho yemali engenayo. Inqubo izenzekelayo, ngakho-ke asikho isidingo sokufona ukuze ucele ukukhushulwa. Kunalokho, i-PayPal izoxhumana nawe. Amakhasimende e-PayPal Credit azofaneleka ukwenyuselwa i-PayPal Credit umkhawulo ngemva kwezinyanga ezintathu.

Isiphetho

Kusukela emiphumeleni yethu, siyazi ukuthi kunezinhlobo ezingu-100 ezihlukene zamakhadi esikweletu nawedebithi angu-4120 akhishwa emhlabeni wonke. Siyazi futhi ukuthi wonke amakhadi esikweletu angama-4120 noma ikhadi ledebhithi yi-Visa. Sithemba ukuthi lolu lwazi lwekhadi lesikweletu luyisisetshenziswa esiwusizo esinelisa ilukuluku lakho. Izinombolo zekhadi lesikweletu ziyashintsha, izinguquko zedatha yekhadi lokukhokha, izinombolo zamakhadi zinikezwa kabusha, futhi amabhange endawo ayahlangana noma ahluleke, ngakho ukunemba akuqinisekisiwe.