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A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later embossed bank card number complying with the ISO/IEC 7812 numbering standard.
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The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.
It is used to validate the primary account number to protect against accidental errors.
The next nine digits are the individual account number, and the final digit is a validity check code.
The following Credit Cards and Prepaid Debit Cards are for people with limited or no credit history.
This probably sounds like a sketchy idea, but it's actually quite legit - you often need a "valid" credit card number to test out payment functionality.