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When we say they are valid, we merely imply that they are a possible combination of characters which will validate when passed through the MOD 10 algorithm.
You can also generate valid credit card numbers for specific Issuing Networks by utilising their particular prefixes.
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The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.
They merely respect guidelines of a valid credit card number.
I advise you not not to try to use these for any actual transactions, only for testing purposes!
The first digit of the issuer identification number is the major industry identifier (MII).
It identifies the industry where the card will be most used in.