(Generated valid credit card numbers are for data testing and verification purpoess only!).
Meaning the method used to generate these card numbers are the same as of those a real-credit card number. But these credit card numbers DOES NOT WORK like an actual credit card, they are for verification and validation purposes only and must be used in any fradualent activities.
The card security code, sometimes called card verification value (CVV or CVV2) is a term for security features for credit or debit card transactions, providing increased protection for the merchants against credit card fraud. You can
correctly identify your CVV number by looking at the back of your credit card and searching for a special 3 digit code. These digits represent your card security code.
Banks generate your CVV or CVV2 number when your card is to be issued. The codes are calculated by encrypting the bank card number and the expiration date with secret encryption keys which are known only by the issuing bank. Knowing
this, you can generate a seemingly valid number by just inserting any 3 digits onto your testing database. These will obviously fail to pass any validation tests when actually trying to purchase items so you shouldn't even attempt
CVV2 is basically just a more secure version of CVV. The algorithm was changed somewhere along the line to be more secure and make sure it couldn't be easily guessed.
To correctly identify your CVV number take a look at the this guide.
This is the process by which a balance on one credit card or loan can be moved to another credit card.
The proprietary name given to the FICO score when it is purchased from Equifax, a credit reporting agency.
The date that your statement is produced every month. The payment due date is at least 22 later. This same date appears on every statement, regardless of holidays. Interest accrues at the time the statement cycles.
Cash advances are actually cash loans taken from the financial institution that owns the account. A cash advance is usually performed one of three ways:
Convenience checks allow you to access their credit card accounts in situations where credit cards are not accepted. Convenience checks are accepted and processed like any other check, except they access the available credit on the
cardholder’s credit card account. When processed, the amount of the check appears on the monthly credit card statement as a cash advance purchase.
Credit cards are a form of revolving loan by where the cardholder can access a line of credit to make purchases, cash advances, or balance transfers. As the outstanding balance is paid, the available credit line is restored for use
The amount of credit made available for you to use.
A debit card is a combination of a credit card and an ATM card. Debit cards carry a credit card logo, such as MasterCard, allowing the card to be used anywhere a credit card can be used. The card can also be used anywhere an ATM card
is accepted. Purchases made with a debit card are deducted from a checking account instead of a credit line.
This indicates in which month and year the card expires. The card is valid until the last day of the month indicated, after the last day of the next month; the card cannot be used to make a purchase if the merchant attempts to obtain
A fee is a charge to an account such as a late fee, an over-limit fee, or a statement copy fee.
The FICO score is a numeric weight that is used by financial institutions to predict the likelihood of a customer to pay. The FICO score is generated by information gathered on the credit bureaus, and is produced by Fair Isaac Company
(FICO) and then supplied to the 3 credit bureaus (Experian, Equifax, and TransUnion). The score is used to make credit decisions such as approving or declining an application, increasing or decreasing a credit line, or setting
the Annual Percentage Rate.
The interest charged on a credit card account. This is the cost of the account to you. This is split into interest charge on purchases, balance transfers, and interest charged on cash advances.
An Annual Percentage Rate that does not fluctuate according to a published index but stays at the same rate until the issuer notifies the cardholder of a change in terms.
The time a financial institution gives the cardholder to repay their balance. The grace period is at least 22 days, which means that your Payment Due Date is at least 22 days after the Billing Cycle date.
The finance charge on an account.
A lower APR that is fixed for a certain length of time, usually 6 months, for new credit card accounts.
This is a charge made to a credit card account when the payment is made after the payment due date.
The amount set as the minimum charged when an account revolves with a balance.
The minimum monthly payment on a credit card account. This is usually a set dollar amount or a percentage of the balance, whichever is greater.
An account is overlimit if the balance on the account is greater than the credit limit of the account. There is usually a fee when this occurs.
A term used to describe an account when there is an outstanding payment due on the account which has not been made
Penalty pricing automatically increases the interest rate when an account becomes delinquent. The account usually remains at the increased interest rate levels for a specific time period before moving back to the standard interest
The number used to access their account to get cash at an ATM machine or make other PIN verified transactions. A number automatically generated by the computer, then sealed and sent to the cardholder. (Ex. Gas station charges)
A term used to describe an act of sending an email to a user pretending to be an established business to convince the user to provide personal information to be used for identity theft. The email invites the user to visit their
website to update personal information, passwords, and/or credit card or bank account numbers or Social Security Numbers.
Prime is the base rate on corporate loans posted by at least 75% of the nation’s 30 largest banks. The Prime Rate is set by the Federal Reserve and is used as an indicator of the current U.S. economic environment. This rate is
used to determine the Annual Percentage Rate on variable accounts.
An Annual Percentage Rate that goes up or down based on fluctuations in interest rates as reflected in a published index (such as the Prime Rate).
If you came across an interesting product online wanted to check it out but the website owner wanted your credit card details which you kind of hesitant since you only wanted to check it out and you do not actually want to buy it then you know why this website is for.
We believe acquiring such sensitive finanacial details wont be needed. Giving up such details is like giving up your privacy to website owners that you don't actually want to buy from. Credit card generated from this website do not
work like an actual credit card these cards are simply for data testing and or verification purposes they do not have an actual real world value.
Other purposes of generating valid credit card numbers can be the following: It could be used for websites, software and applications that requires fake data for validation purposes. Test your eCommerce website and validate tests using
our generated fake credit card numbers.